Credit Guide for Beginners | Fillable PDF Digital Download

If you’re new to credit (or rebuilding), this guide keeps it simple. The Girly Finance Credit Guide is a cute, structured, fillable PDF that helps you understand what impacts your credit score and gives you an easy plan you can follow month-to-month.

What’s included (9 pages total)

• Quick Start checklist + monthly habits
• Credit Score Basics (simple explanations + prompts)
• Credit Report Tracker (log pulls and notes)
• Dispute Tracker (only if something is inaccurate)
• Utilization & Payment Plan worksheet
• Account Tracker (cards/loans overview)
• 30/60/90-Day Action Plan
• Goals & Notes page

Perfect for

• Beginners who want a clear plan
• Building credit responsibly and avoiding mistakes
• Organizing cards/loans, balances, and due dates
• Creating consistent habits that improve your score over time

How to use

1. Download instantly after purchase.
2. Open with Adobe Acrobat Reader (best for fillable typing).
3. Type into the fields, or print and write by hand.
4. Save a new copy each month to track progress.

Important notes

• Digital download only (no physical product shipped).
• Colors may vary by screen/printer.
• Best fillable experience is Adobe Acrobat Reader; some iPad note apps may vary.

Refund policy 

Due to the digital nature of this product and instant access/download, all sales are final. If you have trouble opening the file, contact us and we’ll help.