Study  Guide

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A Membership Course

Building and Maintaining Good Credit 158

Reasons For and Against Using Credit 160

Good Uses of Credit 160

The Downside of Credit 161

You Should Set Your Own Debt Limit 163

Debt Payments-to-Disposable Income Method 163

Ratio of Debt-to-Equity Method 165

Continuous-Debt Method 165

Dual-Earner Households Should Consider a Lower Debt

Limit 165

Obtaining Credit and Building a Good Credit

Reputation 167

The Credit Approval Process 167

Your Credit Reputation 169

Dealing with Over indebtedness 175

Ten Signs of Over indebtedness 175

Federal Law Regulates Debt Collection Practices 176

Steps to Take to Get Out from Under Excessive

Debt 176

Bankruptcy as a Last Resort 177

GOOD MONEY HABITS IN BUILDING AND MAINTAINING

GOOD CREDIT 160

DID YOU KNOW?…

How to Manage Student Loan Debt 166

The Top 3 Financial Missteps with Credit 167

Contents

Unfair Credit Discrimination Is Unlawful 168

How to Make Sense of FICO Credit Scores 169

The Effects of Divorce on Your Credit 172

About Alternative Lenders 174

The Effect of Using Voluntary Repossession to Get Out of Debt 176

ADVICE FROM A PRO----Video Classes --we will email in  your  inbox

Guard Your Privacy 162 

Credit Cards and Consumer Loans 182

Types of Consumer Credit 184

 Credit Card Accounts 185

Types of Credit Card Accounts 185

Common (But Not Always Beneficial) Aspects of Credit

Card Accounts 187

Managing Credit Cards Wisely 191

Credit Statements 191

Computation of Finance Charges 195

Correcting Errors on Your Credit Card Statement 195

Understanding Consumer Installment Loans 197

Installment Loans Can Be Unsecured or Secured 197

Purchase Loan Installment Contracts 198

Calculating Interest on Consumer Loans 198

Calculating an Installment Loan Payment 198

Finance Charge and APR Calculations

for Installment Loans 199

Big Picture Summary of Learning Objectives 203

Let's Talk About It 203

Do the Numbers 203

Financial Planning Cases 204

On the 'Net 205

GOOD MONEY HABITS IN CREDIT CARDS AND CONSUMER LOANS 184

DID YOU KNOW?…

Top 3 Financial Missteps with Credit Cards and Consumer

Loans 185

How to Close a Credit Card Account 187

About Secured Credit Cards 190

How Credit Card Balances Are Calculated 195

ADVICE FROM A PRO…

Control and Reduce Your Credit Card Debt--Video