Step 4: Managing your credit to improve your spending plan

Credit Finance Masterclass

Part 1: Getting Started

Introduction (2:19)

Chapter 1: Understanding Credit Repair, Credit Scores and Your Life on Credit

Intro (2:50)
Settling Debts (3:58)
Using a cosigner or becoming an authorized user (1:50)
Locate Sources of FREE help (1:26)
Dealing with collectors (1:04)
Weathering a Major Crisis/Mortgage Meltdowns (5:01)
Medical Debts/Student Loans/ Car Loans (1:26)
Understanding Diversity in Credit (1:03)
Filing Bankruptcy (2:10)
Protecting your credit and identity/Getting familiar with credit laws
Receiving free reports and filing disputes/Signing up for credit montoring
Setting alarms, alerts, and freezes
Maintaining Good Credit Throughout Life/Establishing credit for the first time
Making credit changes at life’s stages
Avoiding pitfalls
Managing Credit in Today’s Unforgiving Economy/Planning for success
Reviewing your credit report
Knowing your credit score
Considering credit a renewable resource

Chapter 2: Turning Your Credit Around (the right way)

Intro
How Your Actions Impact Your Credit Score
Using A Cosigner to Raise Your Score
Turning Small Purchases into Big Credit
Why some creditors don’t report to the credit reporting agencies
Maximizing Your Credit Score with Major Expenditures
Leveraging your mortgage/Lines vs. Loans
Financing Your Car/Pros and Cons of Leasing
Paying Back Student Loans
Understanding How Good Debt Builds Credit
Selecting the Best Tools for Building Your Credit

Chapter 3: Cleaning Up Your Credit Reports

Intro
Understanding the True Value of Good Credit
Be Cautious When Dealing with Credit Repair Companies
Reviewing Your Reports for Problems
Using the Law to Get Your Credit Record Clean and Keep It That Way
Identifying and Disputing Inaccurate Information
Adding Positive Information to Your Credit Report
Chapter Resources

Chapter 4: Getting the Best Help for Bad Credit for Free

Intro
Knowing Whether You Need Help
Identifying Help You Can Get For Free

Chapter 5: Coping with Debt Collection

Intro
Handling Those Collection Phone Calls
Taking Charge of the Collection Process
Help for Military Personnel
Identifying Escalation Options That Help
Communicating with Customer Service Before Being Placed for Collection
Keeping Collectors in Check
Freeing Up Money to Pay a Collector
Avoiding Collectors Altogether
Chapter Resources

Chapter 6: Working with Collectors, Lawyers, and the Courts to Manage Debt Obligations

Intro
Getting a Handle on Charge-offs
Coming to a Debt Settlement Agreement
Finding Out about Judgements and What They Mean to You
Stating Your Case in Court
Managing IRS Debts, Student Loans, and Unpaid Child Support
Chapter Resources

Part 1 Group Discussion

Schedule 1st Group Discussion

Part 2: Reducing Credit Damage from Major Setbacks

Intro

Chapter 7: Reducing Credit Damage in a Crisis

Intro
Assessing the Damage from a Mortgage Meltdown
Understanding How Mortgages Differ from Other Loans
Knowing Where to Turn to for Help
Alternatives to Going Down with the Ship/What to do first
Dealing with Deficiencies
Preparing for “Credit Winter”
Curing Medical Debt
Managing Student Loans
Avoiding Car Repossession
Coping with So-Called Acts of God and Other Things That Are Not Your Fault

Chapter 8: Filing for and Recovering from Bankruptcy

Intro
Deciding Whether Bankruptcy Makes Sense for You
Adding Up the Pluses and Minuses
Considering a debt management plan first
Understanding Bankruptcy, Chapter and Verse
Qualifying for and Filing for Bankruptcy
Managing Your Credit After a Bankruptcy
Beware of Solicitations
Chapter Resources

Chapter 9: Repairing Credit Damage in The Wake of Identity Theft

Intro
Taking Fast Action When Identity Theft Occurs
Protecting your identity through the FACT Act
Getting and Using Credit After Identity Theft
Chapter Resources

Part 2 Group Discussion

Schedule 2nd Group Discussion

Part 3: Rebuilding Credit, No Matter Where or When You Begin

Intro

Chapter 10: Starting or Restarting Your Credit in Real Life

Intro
Debunking Misinformation about Banking and Credit
Building From Checking to Credit to a Business
Recognizing What's Not in Your Credit History
Obtaining Credit: Starting Out on the Right Foot
Overcoming Credit Fears and Mistakes
Qualifying for First-Time Cards and Lending
Considering Credit for Students and Military Members

Chapter 11: Ending Life’s Negative Credit Surprises

Intro
Keeping Your Credit from Hurting Your Job Prospects
Dealing with Rental Application Checks
Qualifying for a Mortgage
Ordering your credit report and score
Preparing to Purchase a Car
Unveiling the Relationship between Your Credit and Your Insurance Premiums
Taking other factors into account

Chapter 12: Protecting Your Credit During Major Life Challenges

Intro
Tying the Knot in Life and in Credit: A Couples’ Guide to Building Good Credit
Protecting Your Finances in a Divorce
Keeping Credit Strong While Unemployed
Protecting your credit lines
Curing Medical Debt
Resolving Credit Issues After the Death of a Spouse or Partner
Fitting Credit into Retirement

Part 3 Group Discussion

Schedule 3rd Group Discussion

Part 4: Making Sense of Credit Reporting and Scoring

Intro

Chapter 13: Discovering How Credit Reporting Works

Intro
Grasping the Importance of Your Credit Report
What is a Credit Report, Exactly
Providing insight into your character
The Negatives and Positives of Credit Reporting
Your Credit Report’s Numerical Offspring: Your Credit Score

Chapter 14: Understanding Credit Reports and Scores

Intro
Getting Copies of Your Credit Reports
Who Else Has Access to Your Report
Tracking Down Specialty Reports: From Apartments to Casinos to Prescriptions
Perusing Your Credit Reports
When Credit Information is Deleted
Equifax Credit Report Version
Experian Credit Report Version
TransUnion’s Credit Report Version
Your Optional 100-word Statements: Making Sure Your Voice is Heard
What’s Not in Your Credit Report
Correcting Any Errors You Find
Getting and Understanding Your Credit Scores
Chapter Resources

Chapter 15: Monitoring Your Credit Reports and Scores

Intro
How Credit Monitoring Really Works
Understanding the Types of Monitoring Services Available
Making a Case for and against Third-Party Credit Monitoring
Getting Your Money’s Worth from Monitoring Services
Setting Alarms, Alerts, and Freezes

Part 4 Group Discussion

Schedule Part 4 Group Discussion

Part 5: Successfully Managing Your Credit for Life

Intro

Chapter 16: Putting Yourself in Control of Your Credit

Intro
Determining Your Credit Style
Balancing Spending, Savings, and Credit Use
Remembering the Importance of Planning When it Comes to Your Credit

Chapter 17: Taking a Sustainable Approach to Your Credit

Intro
Going Green: Treating Credit as a Renewable Resource
Sustaining Your Credit Ecosystem for life
Steering Clear of Credit Pollution
Surviving and Reviving After a Credit Catastrophe
Rebuilding your credit ecosystem

Chapter 18: Safeguarding Your Credit with a Spending Plan

Intro
Appreciating the Benefits of a Solid Spending Plan
Deciding on Goals: Imagining Your Future as You Want It to Be
Building Your Vision of Your Future
Step 1: Counting your income
Step 2: Tallying what you spend
Step 3: Making savings part of your plan
Step 4: Managing your credit to improve your spending plan
Step 5: Looking at your insurance options
Step 6: Planning for the IRS
Step 7: Planning for retirement
Compounding Interest: Investing for the Future
Are You an Average Spender?
Using Cool Tools to Help You Build and Stick to a Spending Plan
Adjusting Your Priorities and Your Plan
Chapter Resources

Chapter 19: Understanding Equity and Diversity and Credit

Intro
Benefiting from financial inclusion
Participating in the financial system
Educating Yourself on How the System Works
Tackling debt
Working toward the goal of home ownership
Dispelling the myths you've been taught
Red Lining: Understanding the History

Chapter 20: Knowing Your Rights to Protect Your Credit

Info
Why You Have the Right to Credit Protections
The CARD Act: Shielding You from Credit Card Abuse
The Consumer Financial Protection Bureau: The New Cop on The Financial Beats
Safeguarding Your Credit Data Through the FACT Act
The FDCPA: Providing Protection Against Debt Collectors
The CROA: Getting What You Pay For
Exploring Other Protections

Chapter 21: Protecting Your Identity

Info
Keeping Thieves at Bay
Safeguarding your computer data
Safeguarding active-duty military personnel
Catching Identity Thieves in the Act
Predicting identity theft
Chapter Resources

Part 5 Group Discussion

Schedule 5th Group Discussion

Part 6: The Part of Tens

Info

Chapter 22: Ten Consumer Protections Everyone Needs to Know

Intro
The Fair Debt Collection Practices Act
The Bankruptcy Abuse Prevention and Consumer Protection Act
Your Lawyer
Coronavirus Aid, Relief, and Economic Security (CARES) Act
Statute of Limitations Laws
Your State Attorney General
The Consumer Financial Protection Bureau
The Credit Card Accountability, Responsibility, and Disclosure Act
The Fair and Accurate Credit Transactions Act
The Federal Trade Commission

Chapter 23: Ten Strategies for Dealing with Student Loans

Intro
Knowing How Student Loans are Reported Differently Than Other Loans
Dealing with the Collection Process
Identifying the Best Repayment Option for Your Situation
Taking Your Loans to Bankruptcy
Dealing with the Prospect of Default
Gaining Student Loan Forgiveness
Lowering Your Bill While You’re in School
Keeping Up with Your loans After You’re Out
Setting limits During the Planning and Application Process
Getting Help if You’re in the Military

Chapter 24: Ten Ways to Deal with a Mortgage Meltdown

Intro
Knowing When You’re in Trouble
Knowing How Your State’s Laws Treat Foreclosures
Deciding Whether to Stay or Go
Tightening Your Spending to Stay in Your Home
Prioritizing Your Spending to Build Cash
Lessening the Damage to Your Credit
Knowing Who to Call
Beware of Scams
Beefing Up Your Credit
Consulting an Attorney

Part 6 Group Discussion

Schedule Final Group Discussion

Congratulations

Congratulations

Bonuses

Consumer Protection Laws Masterclass - $150 value
EXPOSED! Secret Consumer Reporting Companies - $10 Value
Sample Letters - $2000 Value

Step 4: Managing your credit to improve your spending plan

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