Credit And Debt Management

Become the Captain of Your Financial Ship

 

Charting the Course PowerPoint    PDF

Trimming the Sails  PowerPoint    PDF

Standing Watch       PowerPoint   PDF

Staying the Course  PowerPoint    PDF

Credit Report/Scores

Publications

Choosing a Credit Card

Coping with a Money Crunch Series

Credit and Credit Cards

Cutting Costs to Live Within Your Income

Money Problems

Videos

Buy Now & Pay Later

Covers what credit is, buying on credit, what it means to borrow money, and implications of going into debt. 23 minutes.

 

Speaking of Credit

Available in English and Spanish. Discusses the advantages and disadvantages of credit and controlling and planning credit. 23 minutes.

 

Credit: Handle With Care

Tells how to establish credit, discusses the kinds of questions asked on a credit application, and explains why the cost and availability of credit vary. 20 minutes.

Contact Erica Rodriguez, Curriculum Secretary  for more information on these videos.

Media Articles

Your Credit Rating

Good Credit Rating Helps in Emergencies

Credit Card Insurance, Do You Need It?

Power Point Presentations

Give Yourself Credit by Dr. Josephine Turner

Links

 

Federal Trade Commission (FTC) http://www.ftc.gov

Equifax http://www.equifax.com

Experian http://www.experian.com

Trans Union http://www.transunion.com

Home Buying Guide: Knowing and Understanding Your Credit from the Fannie Mae Foundation (links to a PDF format) http://www.homebuyingguide.com

Bankruptcy Survey from the National Consumer Law Center (NCLC)http://www.consumerlaw.org/initiatives/bankruptcy/bankruptcy_survey.shtml

Contracts/Transactions

Pubs

FCS 5002	HE674	Consumer Credit Contracts	Under Revision
FCS 5046	HE952	Credit Terms/Términos De Crédito	HTML	PDF

Videos

Credit Wise: Coming to Terms

Explains how to choose credit wisely and make credit work for you, how to read the fine print of credit card contracts, and offers real-life experiences of students, middle-aged people, and seniors, as well as advice from credit experts. 16 minutes.

Home Based Business: Getting a Loan

Information on preparing a business plan and securing a business loan, including where to go to get a loan. Indiana Cooperative Extension Service, 21 minutes.

Contact Erica Rodriguez, Curriculum Secretary  for more information on these videos.

Credit Card Obtaining/Selection/Use

Publications

Is Credit Wise?/¿Es Prudente el Crédito?

Cash or Credit?/¿De Contado o a Crédito?

Choosing A Credit Card

Coping With a Money Crunch: Dealing With Creditors

Credit Card Safety

Credit Management

Kinds of Credit/Tipos de Crédito

Living Independently: Establishing Credit

Errors on Your Credit Bill/Errores En Su Factura de Crédito

Paying Your Bills/Pagando Sus Deudas

Show Me the Money Lesson 3: Using Credit Wisely

Stretching Your Dollars: Getting Credit and Keeping it

Terms Used for Credit/Crédito: Los Terminos

Where Can I Get Credit?/¿Donde Puedo Obtener Crédito?

Credito (en espanol y en ingles)

 

Videos

Credit Cards: Living With Plastic

Describes how credit cards work, how banks can be deceptive when issuing credit cards, and how to control the use of credit cards. 22 minutes.

Financial Responsibility

Discusses credit card facts, types of credit cards, interest rates, how much consumers will pay in the end, and why consumers should pay more than the minimum each month. 15 minutes.

Credit Wise: Coming to Terms

Explains how to choose credit wisely and make credit work for you, how to read the fine print of credit card contracts, and offers real-life experiences of students, middle-aged people, and seniors, as well as advice from credit experts. 16 minutes.

Newsletters

Credit Card Trends (Research News You Can Use, Summer 2002)

Research News You Can Use

Media Articles

Establishing Credit

Cash or Credit?

The Plastic Dilemma

Protect Credit Cards During Holidays

Power Point Presentations

• Credit Legislation by Dr. Josephine Turner
• Types of Credit by Dr. Josephine Turner
• Credit- How Much Can You Afford? by Dr. Josephine Turner
• Give Yourself Credit by Dr. Josephine Turner

Links

 

The Credit Card You Pick Can Save You Money" Federal Reserve Board http://www.federalreserve.gov/pubs/shop/

Home Buying Guide: Knowing and Understanding Your Credit from the Fannie Mae Foundation (links to a PDF format) http://www.homebuyingguide.com

 

Federal Trade Commission (FTC) http://www.ftc.gov

Debt Problems/Solutions

Publications

Money Problems

Coping with a Money Crunch series

Errors on Your Credit Bill/Errores En Su Factura de Crédito

Don't Get Ripped Off

Landlords and Tenants: Rules and Regulations

Cutting Costs to Live Within Your Income

 

Videos

You Can Do It: Managing Debt, Building Wealth Real life stories of consumers to illustrate how they have faced their credit problems. American Express, 2000, 11 minutes.

Meg Green's Financial Workout An excellent video that can be used in segments for basic financial management topics, including budgeting, goal setting, credit, investments, and retirement planning. 59 minutes.

Counseling Skills for Financial Managers Techniques of working with families who have money problems. Useful for train the trainer workshops. New York Cooperative Extension Service, 58 minutes.

Consumer to Consumer: Good Ideas for Tough Times Discusses topics of bill paying, budgeting, expense reduction, shopping, bartering, saving, and management of credit during a time when income is reduced due to unemployment, divorce, or retirement. 23 minutes.

Credit Crossroads: Divorce and Credit

How to properly handle credit bills, including joint accounts and joint bills, when going through a divorce. Also discusses facts and myths regarding divorce and credit. Experian, 12 minutes.

Dealing with Debt: Bankruptcy and Other Options

Defines bankruptcy, discusses alternatives to bankruptcy, helps consumers determine if bankruptcy or another option is right for their situations, and discusses the consequences of bankruptcy.

Speaking of Credit

Available in English and Spanish. Discusses the advantages and disadvantages of credit and controlling and planning credit. 23 minutes.

Contact Erica Rodriguez, Curriculum Secretary  for more information on these videos.

Media Articles

If You Can't Pay Your Bills In a Bind, Which Bills Do You Pay First?
What to Do If You Lose Your Job
Credit Repair and Credit Offer Scam Target Consumers Every Day
The Magic of Money Control
Financial Check Up

Links

Building Wealth by the Federal Reserve Bank of Dallas (PDF format)
http://www.dallasfed.org/wealth/pdfs/wealth.pdf
Credit Repair: Self Help May Be Best (FTC) http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm
Equifax http://www.equifax.com
Experian http://www.experian.com
Trans Union http://www.transunion.com
Bankruptcy Survey from the National Consumer Law Center (NCLC) http://www.consumerlaw.org/initiatives/bankruptcy/bankruptcy_survey.shtml

For More Information Contact:

Jo Turner, Ph.D., CFP, Professor, Family and Consumer Economics
(352)392-1945 x228

Elaine A. Courtney, M.S., Extension Agent IV, Family and Consumer Sciences
(850)689-5727