CREDIT WHEN CREDIT IS DUE
You can take control of your finances and learn to manage your money more
effectively. Novadebt has joined a growing
number of Credit Counseling Agencies in offering 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 providing
money management skills and proven techniques that will help you be 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 probably will benefit the
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 Novadebt at 1-800-99-BILLS
(1-800-992-4557) or email us and ask for a copy of Credit When
Credit Is Due today!
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