Practicing the basics of smart money management is all it takes for most people to reach their goals. This workshop is designed to help you get started. Your budget is the most powerful tool available for achieving your financial goals. Within that framework, we'll discuss the different options available for getting out of debt. If you are like most consumers, you use credit regularly - charge cards, auto loans, home equity lines.
Credit can be a financial tool if it's used wisely.
Learn where to shop for the best credit values, how to lower the interest rate on your existing lines of credit, and the various options for paying off your debts. Reconstruct the credit you now have to better suit your needs. The information contained in your credit report can affect your ability to obtain credit, rent an apartment, buy life insurance, or obtain employment. Find out how the credit reporting bureaus compile information about you and how you can obtain a copy of your credit report. Also, learn about credit reporting regulations, your rights under the Fair Credit Reporting Act, and how to correct any inaccurate information in your file.