1. CONCEPTS OF CREDIT PERSONAL FINANCIAL PLANNING DR. AA NEIDERMEYER

2. WHY BORROW $$? TO AVOID LARGE CASH OUTLAYS TO MEET AN EMERGENCY FOR CONVENIENCE FOR INVESTMENT

3. CREDIT DANGER SIGNS USE CARDS TO BUY ON IMPULSE POSTDATE CHECKS BORROW TO THE LIMIT BORROW TO MEET NORMAL LIVING EXPENSES PAY ONLY MINIMUM ON CARDS FALL BEHIND ON PAYMENTS

4. BUILDING A CREDIT HISTORY USE CREDIT WHEN YOU CAN AFFORD IT FULFILL ALL CREDIT TERMS PAY CONSISTENTLY CONSULT CREDITORS IF DIFFICULTY OCCURS BE TRUTHFUL ON APPLICATIONS

5. GUIDELINES MAKE SURE THAT YOUR MONTHLY REPAYMENT BURDEN DOES NOT EXCEED 20% OF TAKE-HOME PAY

6. GENDER CONSIDERATIONS WOMEN: USE YOUR LEGAL NAME TO BUILD YOUR CREDIT HISTORY ASK TO HAVE CREDIT REPORTS FILED WITH YOUR NAME IN ADDITION TO SPOUSES MAINTAIN YOUR OWN FILE AFTER MARRIAGE

7. TYPES OF OPEN ACCOUNT CREDIT BANK CREDIT CARDS REBATE CREDIT CARDS RETAIL CHARGE CARDS TRAVEL & ENTERTAINMENT CARDS PRESTIGE CARDS AFFINITY CARDS SECURED CREDIT CARDS

8. ADDITIONAL PAYMENT OPTIONS DEBIT CARDS PREPAID CARDS REVOLVING LINE OF CREDIT OVERDRAFT PROTECTION HOME EQUITY LINE OF CREDIT

9. ACCESSING CREDIT THE APPLICATION CREDIT INVESTIGATION INTERFACING WITH THE CREDIT BUREAU CHECKUP BEFORE APPLYING CREDIT REPORT UNIFIED FROM THE BUREAU INDIVIDUALLY

10. CHECKING YOUR CREDIT EQUIFAX 1-800-997-2493 TRANS-UNION 1-800-888-4213 EXPERIAN 1-888-397-3742 DETERMINING YOUR SCORE

11. CREDIT SCORING DETAILS SCORE IS WEIGHTED AS FOLLOWS 35% ON PAYMENT HISTORY 30% ON OUTSTANDING DEBT 15% ON CREDIT HISTORY 10% ON NUMBER OF INQUIRIES 10% ON TYPES OF CREDIT

12. INTEREST COMPUTATION ADB INCLUDING NEW PURCHASES ADB EXCLUDING NEW PURCHASES TWO-CYCLE ADB INCLUDING NEW PURCHASES TWO-CYCLE ADB EXCLUDING NEW PURCHASES

13. SHOPPING FOR CREDIT EVALUATE ANNUAL FEES KNOW THE RATE OF INTEREST CHARGED ON THE ACCOUNT UNDERSTAND THE GRACE PERIOD BE AWARE OF THE COMPUTATION OF BALANCES WWW.BANKRATE.COM

14. PROTECT AGAINST IDENTITY THEFT DO NOT THROW OUT CC RECEIPTS DO NOT THROW OUT CANCELLED CHECKS DO NOT THROW OUT PRE-APPROVED CREDIT CARD APPLICATIONS DO NOT GIVE OUT PERSONAL INFORMATION UNLESS YOU KNOW USE OF SAME

15. ADDRESSING IDENTITY THEFT CONTACT THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT HOTLINE 1-877-438-4338 NOTIFY LOCAL POLICE AND POSTMASTER

16. CREDIT COUNSELING CONTACT THE NATIONAL FOUNDATION FOR CONSUMER CREDIT WWW.NFCC.ORG