CREDIT & DEBT. Brought to you by: State Treasurer Josh Mandel
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1 CREDIT & DEBT 1 State Treasurer Josh Mandel
2 SECTION I: BASICS OF CREDIT Types of Credit: Mortgages Car Loan Business Loan Credit Cards Line of Credit Credit & Debt 2
3 Takeaway Tips: Credit and Debt 1.Pay your credit accounts on time. Credit & Debt 2.Keep credit card balances under 30% of credit limit. 3.Make sure that any negative information over 7 years old is removed from your credit report. 4.Monitor your credit report to ensure that all information is accurate. 5.Every little bit counts. Paying twice or more than your minimum can drastically cut down the time it takes to pay off your balance. This will lead to paying less in interest charges. 3
4 Alternatives to Credit Cards: Credit & Debt VS. Money from Checking Acct. Provides Instant Purchase Record No Need to Carry Cash/Check Pre-Deposited Money/ Reloadable Helps Budget with Purchase Limit Can Help Re-build Credit Fees 4
5 SECTION II: USING CREDIT WISELY Credit & Debt Why do I use credit? Can I control my spending? Do I feel Comfortable with my debt? 5
6 SIGNS YOU MAY BE IN A DEBT CRISIS EARLY WARNING SIGNS: Receiving new loans to pay old debts Multiple late fees on monthly payments Multiple overdraft charges Using savings account to pay monthly bills Borrowing from friends and family to pay debts LATE WARNING SIGNS: Cashing out retirement savings Using cash advances from credit cards for expenses Taking out payday loans Receiving loans from Pawnshops Paying one card with another 6
7 SECTION III: REDUCING YOUR DEBT No quick-fixes: Credit & Debt Debt Consolidation NFCC.org (National Foundation for Credit Counseling) Credit Counseling Agency Personal Debt Reduction Plans Low Balance Priority Highest APR Priority 7
8 NFCC.org (National Foundation for Credit Counseling) Get free and low-cost help from a trained, certified counselor who will assist you in determining the best options to meet your individual needs. NFCC Certified Consumer Credit Counselors will: Advise you on managing your money; Offer solutions to your current financial problems; Develop a personalized plan to help you prevent future difficulties. If you have severe debt, you may be eligible to enroll in a Debt Management Plan (DMP). Source: NFCC.org 8
9 How to Begin Creating a Plan: 1. Make a List of Creditors / Debt 2. Budget Minimum Payments 3. Increase Minimum Payment to Priority Creditor 4. Once Paid; add Payment to the Next Creditor on the List 9 Credit & Debt Debt Reduction- Personal Debt Reduction Plans: Increase Minimum Payment Low Balance Priority Plan Highest APR Priority Plan
10 SECTION IV: PROTECTING YOUR GOOD CREDIT What is the purpose of my Credit Report? What s included in a Credit Report? Where can I get my Credit Report? 10
11 Get Your FREE Credit Report 11
12 What is the Consumer Credit Score? Three digit number that evaluates your overall credit health. Types of Credit Use, 10% Used by lenders to estimate the risk of approving a loan or other financial service product at a particular price or interest rate. Payment History, 35% Credit Inquiries, 10% Credit History, 15% The score is produced by a complex FICO formula that analyzes the information reported in your credit report/file. How do I improve my score? 12 Outstanding Debt, 30%
13 Credit Score Range Credit Bureau Score Name Score Range Equifax FICO Experian Vantage Score TransUnion Vantage Score
14 How Your Credit Score Effects Your Annual Percentage Rate This example is a 30 year fixed mortgage for a $216,000 house, based on the national average A person with a score of 760+ will pay $215 less a month or $2,580 per year than someone with a score of % $1, % $1, % $1, % $1, % $1, % $1,341 14
15 SECTION V: KNOW YOUR CREDIT CARD RIGHTS The CARD Act FCRA FCBA FDCPA Rate Increase: Cannot occur within the first 12 months unless you have a variable rate or are past due. CREDIT CARD COMPANIES MUST NOTIFY YOU OF: RATE or FEE INCREASE BALANCE RE-PAYMENT SCHEDULE MINIMUM PAYMENT WARNING LATE PAYMENT WARNING 15 Your Bill: Receipt 21 days before due Same due date each month Payments applied to highest interest balance first
16 SECTION IV: PROTECTING CONSUMER RIGHTS IDENTITY THEFT STRATEGY Deter: Detect: Defend: Take immediate steps to reduce your risk of ID theft. Monitor your financial information on a frequent basis. 1. Act quickly and do not hesitate to report the problem! 2. Call fraud department of each credit issuer. 3. Place a fraud alert on all of your credit reports. 4. Freeze any new applications for credit or loans at: 5. Call each reporting agency for an initial alert: Equifax: / Experian: / TransUnion:
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