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Build Strong Credit Before You Borrow a Dime

The honest, practical guide to understanding credit — before mistakes cost you.

Why We Created The Build Before You Borrow Program

We created this system because we're parents.

We're a homeschooling family who also owned a credit repair business and you know what the number one constant was in our 10 years of working with challenged credit?

Don't worry, I'll tell you.

It was the lack of true financial literacy. Too many people damage their credit before they even understood how it works. We worked with 20, 30, 40, and even 60 year old's everyday that needed help repairing what was broken and we'd spend hours consulting with them gladly. 

What we learned was how much we, as a whole, weren't taught. So, we decided to take a step back and look at the real problem. It wasn't and isn't bad credit. It was WHY there was so much of it. We didn't have a system or at least one that didn't cost $1,000 so we created one for you. It's not about the money for us. That's why our program is a low cost, high-benefit program. People tell you in business that if you price your products or services too low, people won't see the value in it and buy it but we're educators by passion and we want to teach what the classrooms won't...or can't.
Don't pass this program by because they played the game of psychology on your mind to make you think you don't need it if you actually do.

Whether you're a parent, educator, or young adult, this is the program we wish we had when we were starting out. So, if not for you, this may be for someone you know.
 
This program isn't about gimmicks — it's about real strategy, real tools, and lifelong skills.​

The Problem

Most people borrow before they learn. Teens are handed credit card offers the moment they turn 18. Adults are left to rebuild from mistakes they were never taught to avoid. Schools don't teach it, and banks profit from your confusion.

The Solution

Build Before You Borrow is a system that teaches you the rules before you play the game. With a textbook, workbook, and hands-on tools, you'll finally learn how to use credit the smart way.

Interactive Tools to Put Your Knowledge to Use

Credit Utilization Tool

Visualize how much of your credit you're using and how to lower your utilization for better scores.



Try the Tool

Snowball Method Tool

Enter your debts and build a payoff plan that grows your momentum with every step.

 

Try the Tool

If you're not ready to purchase yet, visit our Learn page for breakdowns on everything from credit scores to building responsibly. (COMING SOON)

Shop the BBYB Store

Explore our curated resources including the book set, budget planner (coming soon), and more downloadable tools designed for lifelong learning.

© 2025 by EduPro Enterprises LLC

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