|
|
Credit
When Credit is Due
You
can take control of your finances and learn to manage your money more effectively.
American Debt Solutions now offers the Credit When Credit Is Due course.
The nation's foremost financial and credit education program, this 300-page
text will help you achieve security and financial stability by imparting
money management skills and proven techniques that will help you become
a smarter consumer.
Each lesson is a self-contained unit, so you can read and study any lesson
you want in any order you want. However, you will probably benefit most
if you study the lessons in order. Each lesson should take about 45 minutes
to read and complete the corresponding test. Of course, the total time needed
to complete the program will vary from individual to individual.
The
12 lessons included in CWCID course are:
Lesson One: The Facts
Of Life
What you need to know to get along as a financially responsible adult
Lesson Two: Living
On The Edge
How to budget and save your money, and plug your spending leaks
Lesson Three: To Borrow
Or Not To Borrow
How to decide if you should pay cash or borrow the money you need
Lesson Four: So You
Have Decided To Borrow Some Money
How to get through the credit-granting process once you have made the decision
to borrow
Lesson Five: The Terms
Of The Deal
How to determine if you are getting the deal you have bargained for
Lesson Six: Auto Loans
And Leases
One of the toughest deals to negotiate
Lesson Seven: Home
Sweet Home
The largest debt you are likely to ever have
Lesson Eight: Credit
Cards And Other Loans
What you need to know about credit cards, personal signature loans, etc.
Lesson Nine: You've
Got Trouble When
How to tell you when you may have a problem
Lesson Ten: When You
Fall Behind
Dealing with delinquency and bill collectors
Lesson Eleven: Bankruptcy
The ultimate credit overload
Lesson Twelve: Building
And Rebuilding Your Credit
How to establish good credit when you have no credit history or even a bad
credit past
When students complete the course successfully, they will be registered
in a national database and sent a registration card identifying them to
lenders as graduates of a national standardized credit education program.
They will also receive three cards addressed to the three major credit bureaus
allowing them to add a positive statement to their credit reports.
The concept of the program is similar to the well-known driver's education
course. When people take driver's education and learn the rules of the road
and necessary driving skills, they are considered to be better drivers.
Auto insurance companies recognize them as better driving risks and grant
discounts on insurance premiums to those who satisfactorily complete the
course. The same theory applies to consumers who are borrowing money or
asking for credit.
Individuals who successfully complete the
Credit When Credit Is Due program should be better able to steer their financial
course in the future.
Call American Debt Solutions
at 1-800-246-4019 or
to request information on this valuable program! |
|
