# Extra Credit

Get smarter about credit, one video at a time. Extra Credit makes financial know-how simple, useful, and made for you.

## All episodes

[**Credit Invisibility: What It Means and How to Fix It**](https://www.possiblefinance.com/series/credit-invisibility-what-it-means-and-how-to-fix-it)  
No credit score? You’re not alone. Ellen explains what it means to be “credit invisible” and how to start building credit—even without a loan.  
Duration: 1:41

[**What Impacts Your Credit Score?**](https://www.possiblefinance.com/series/what-impacts-your-credit-score)  
Your credit score can feel like a mystery—because in many ways, it is. In this quick breakdown, Legal & Finance Expert, Daynor, shares what really goes into your score, what improves it, what drags it down, and how to actually check it.  
Duration: 1:31

[**Does Taking Out a Loan Improve Your Credit?**](https://www.possiblefinance.com/series/does-taking-out-a-loan-improve-your-credit)  
Will taking out a loan help your credit? It might—but not always in the way you think. In this episode of Credit Diaries, Ellen Falbo, our Chief Credit Officer, breaks down what actually improves your credit—and why taking on debt you don’t need could end up costing more than it’s worth.  
Duration: 1:09

[**How Credit Card Interest Works**](https://www.possiblefinance.com/series/how-credit-card-interest-works)  
How much does that $500 TV really cost? In this Extra Credit video, Chief Credit Officer Ellen Falbo walks through three common ways people pay off credit cards—and how interest can quietly double the price of everyday purchases.  
Duration: 1:08

[**How to Avoid Credit Card Interest Using the Grace Period**](https://www.possiblefinance.com/series/how-to-avoid-credit-card-interest-using-the-grace-period)  
Learn how to use credit cards without paying interest. Ellen explains the “grace period,” statement balances, and smart strategies to stay out of debt.  
Duration: 1:31

[**Do You Need to Carry a Balance to Build Credit?**](https://www.possiblefinance.com/series/do-you-need-to-carry-a-balance-to-build-credit)  
You don’t need to carry a balance to build credit. In this quick myth-busting episode, Ellen Falbo, Chief Credit Officer at Possible, explains how credit utilization really works—and how to boost your score without paying interest.  
Duration: 1:06

[**How to Fix Credit Report Errors and Dispute Inaccuracies**](https://www.possiblefinance.com/series/how-to-fix-credit-report-errors-and-dispute-inaccuracies)  
Learn how to fix credit report errors and dispute inaccurate information under the Fair Credit Reporting Act. Legal & Finance expert, Daynor, explains your rights and where to start.  
Duration: 0:47

[**A New Way To Think About Your Credit Score**](https://www.possiblefinance.com/series/a-new-way-to-think-about-your-credit-score)  
Is your credit score 640 or 639? It might not matter as much as you think. In this episode of Credit Diaries , Ellen Falbo, our Chief Credit Officer, breaks down credit myths, scoring models and what actually counts for Sue, a Possible member since 2022.  
Duration: 1:01

Possible Financial Inc. © 2026 - NMLS #1697898