Credit foundations
Understand the language of credit before making bigger financial decisions.
Explore books, live classes, and practical lessons designed to make credit concepts easier to understand.
Ray Reynolds University is an educational platform. Our resources explain credit terminology, common financial concepts, and questions to consider before making personal financial decisions.
Understand the language of credit before making bigger financial decisions.
Watch Mr. Reynolds teach credit concepts and current lessons in real time.
Catch up through VODs and resources when you cannot attend a live session.
Build your knowledge with practical lessons you can revisit as often as needed.
Live stream
Follow the current education feed here. If the channel is not live, the player may show the most recent available YouTube video.
Live Stream Schedule
All listed times are Pacific Time.
Choose the credit education resource that fits where you are right now. NMI checkout links can be connected to each book card when they are ready.

Main credit education entry point.
$79.99
A simple foundation for smarter credit moves.
$9.99
Strategy-focused credit education.
$19.99
Structure, ownership, and practical financial thinking.
$99.99
Plain-talk money and credit education.
$29.99
Share your contact information and current credit-score range. The team can follow up with the right education path or next step.