Thursday, March 31, 2016 Objective: Students will be able to examine ways to avoid identity theft and evaluate your personal credit history. Purpose: Maintaining.

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Presentation transcript:

Thursday, March 31, 2016 Objective: Students will be able to examine ways to avoid identity theft and evaluate your personal credit history. Purpose: Maintaining good credit allows an individual to have more financial flexibility and opportunities.

Credit Reports Contents Users of Credit Reports Employment history, bank accounts, and credit history Any legal issues regarding your finances Record of your handling of financial obligations Users of Credit Reports Lenders Landlords Some employers

Getting a Copy of Your Credit Report You are allowed to order one free copy of your credit report each year Free credit reports are available once per year from each of the three national credit-reporting agencies: Experian, TransUnion, and Equifax

How to Maintain a Good Credit Score 1. Pay your bills on time 2. Keep your credit balances low 3. Manage your debt 4. Don’t overborrow or overspend 5. Watch your credit rating

Identity Theft Read the article silently on your own. Answer the questions on your own. (Yes, the questions go in order) When you have finished all of the questions, hand me the completed worksheet. We will discuss the article once everyone has finished reading the article and answers the questions.

Discussion: Identity Theft 1. How does another person acquire your identity? 2. What are the best ways to protect your identity online? 3. Why is it important to shred old financial documents? 4. How will you know if you are a victim of identity theft? 5. What will you need to do if you become a victim of identity theft?