Resources

LEARN. GROW. TRANSFORM.

Self-paced courses, refreshers, coaching, and practical tools to help you grow in life, mindset, learning, money and confidence.

The Growth Lab | Courses, Resources & Tools for Real-Life Growth

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Learn Your Way

Discover How YOU Learn Best

Stop feeling "not smart enough" Learn in a way that works for your brain.

  • Discover your learning style
  • Study smarter
  • Retain information better
  • Build confidence as a learner
  • Great for students & adult learners

$29

Includes: 

  1. Learning Style Assesment
  2. Welcome + Mindset Video
  3. Personalized Learning Insights
  4. Studey Strategy Guide
  5. Confidence builder Exercises

Feeling Stuck? Start with a refresher designed for real life.

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This page is designed to help you quickly find resources without feeling overwhelmed. Everything here is practical, learner‑friendly, and organized by what many are trying to accomplish.

 

Where Should You Start?

If you want to: 

Improve How You Learn - Start with Discover How You Learn  

Understand Your Money - Consider Financial wellness Coaching

Improve Your Mindset - Help with building confidence, overwelm, clarity

Prepare for Home Ownership - Real Estate Understanding & Resources

Start your financial wellness journey with these foundational resources

Understanding Credit Score Recovery Time:


Credit Issue Average Recovery Time
Missed or defaulted payment 18 months
High credit utilization 3 months
Hard credit inquiry 3 months
Late mortgage payment (30 – 90 days) 9 months

Understanding Credit Score Models

Credit Score Model Overview Score Range Key Factors
FICO Score The most widely used credit score model. 300 - 850 Payment History: 35%
Amounts Owed: 30%
Length of Credit History: 15%
New Credit: 10%
Credit Mix: 10%
VantageScore Created by credit bureaus: Equifax, Experian, and TransUnion. 300 - 850 Payment History: Extremely Influential
Credit Age and Type: Highly Influential
Percentage of Credit Limit Used: Highly Influential
Total Balances and Debt: Moderately Influential
Recent Credit Behavior: Less Influential
Available Credit: Less Influential
Equifax Credit Score Proprietary scoring model used primarily by Equifax. 280 - 850 Similar to FICO but with proprietary adjustments.
Experian Plus Score Proprietary scoring model used by Experian. 330 - 830 Payment history, debt levels, credit age, account types, and recent credit activity.
TransUnion New Account Score Tailored for new credit applicants, used by TransUnion. Varies Emphasizes recent credit activity and new accounts.

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