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EduPro Enterprises
BBYB
Build Strong Credit Before You Borrow a Dime
The honest, practical guide to understanding credit — before mistakes cost you.
Why I Created Build Before You Borrow
I created this system because too many people damage their credit before they even understand how it works. Whether you're a parent, educator, or young adult, this is the guide I wish I had when I was starting out.
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.
Credit Utilization 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)
The Free Webinar
Our webinar is highly recommended as a quick overview of the entire Build Before You Borrow system. It introduces you to the philosophy behind the book and how to use each piece of the program. (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.
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