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Teach Me About Credit is designed to help you make wise choices today for a financially secure tomorrow. Here you will find subject matter relating to credit and debt management (including how to re-establish your credit and how to get your credit report), building a household budget, using your home mortgage as a resource, and self-help options for anyone in need. Teach Me About Credit is intended to provide an unbiased, objective resource to help you address your financial needs and concerns. Perhaps you are contacting this website because you feel your finances are out of control or your credit score is low. First, examine your signs of financial stress and remember, you can always improve your credit. Second, you must examine your current financial situation. You can begin to look at options for controlling debt once you evaluate your income, expenses and total debt through a household budget and our financial calculators. Utilizing the monthly budget form and analyzing your net worth will help you create a spending plan and show you if measures are needed to control your debt. Examine your household budget for ways to save. Our savings guide provides you some realistic tips to cut back on expenses. When you reduce your expenses you should have room in your budget to pay those extra debts. If three or more of the warning signs apply to your situation and there is a deficit in your monthly budget, seek the guidance of a professional credit counselor. A credit counselor can help you examine your options including the pro's and con's of bankruptcy. A debt management program (DMP) may even be offered. Creditors may reduce payments, reduce interest rates and stop late and over limit fees under a DMP. We hope you enjoy your visit here. Whether you are helping a friend or helping yourself with credit issues, there is something for everyone at this website. We wish you good luck with your financial future. PDF Documents: In order to view our pdf documents, you will need to have Adobe Acrobat Reader installed on your computer. Please click on the button below in order to download the most recent version.  Legal Disclaimer: The goal of this web site is to provide financial education to consumers. The contents may address legal issues but it should not be treated as legal advice. Such advice can only be properly given by qualified professionals who are fully aware of the reader’s individual circumstances. All information is deemed accurate and reliable, at time of release. We are not responsible for inaccurate information. Terms of Use: Click here to view our Terms of Use. |
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