- Credit 101
- Teaching Tools
- Scores
- Life Stages
- Credit Mishaps
- Understanding Different Bankruptcy Chapters
- Your Credit Report After a Bankruptcy
- Understanding Judgments
- Inaccuracies on Your Credit Report
- Disputing Credit Report Errors
- Understanding Foreclosure
- The Foreclosure Process & What To Do Afterwards
- Understanding Identity Theft
- In the event of: The Death of a Spouse
- Rebuilding Your Credit
- Choosing a Reputable Credit Counselor
- Avoid the Downside of Credit Mismanagement
- What is a Credit Freeze
- Worksheets & Letters
- 6 Steps to Creating a Budget
- Household Budget: Wants vs Needs
- Personal Budget Template
- Understanding Amortization Schedules
- Loan Amortization Calculator
- Sample Opt-Out Letter
- Sample Dispute Letter
- Annual Credit Report Request Form
- Auto Loan Payment Calculator
- Back-to-School Budgeting
- Cost of Credit
- Emergency Fund
- How Much Car Can You Afford
- How Much House Can You Afford
- How Much Will College Cost
- How Much Will My Loan Cost
- How Will My Savings Grow
- Mortgage Payment
- Mortgage Refinancing
- Pay Down Debt or Invest
- Repaying Student Loans
- Retirement Fund
- Rework Your Budget
- Saving for a Goal
- Should I Consolidate My Debt
- Travel Budgeting
- Your Holiday Budget
- Buying a House
- 5 Steps to Buying a Home
- 5 C's of credit When Applying for a Loan
- What Score is Needed to Purchase a Home
- Using a Realtor
- Understanding Fixed Rate Mortgages
- Understanding FHA Loans
- Understanding VA Loans
- Understanding Interest Only Loans
- Understanding ARM Loans
- Understanding Combo Loans
- Understanding Streamline K Loans
- Understanding Bridge Loans
- Understanding HELOC (Home Equity Line of Credit)
- Understanding Reverse Mortgages
- Basic Mortgage Underwriting Principles
- Credit & Financial Law
- Home
10 Things Every Student Loan Borrower Needs to Know
12 Steps for Students to Use Credit Cards Wisely
Avoid the Downside of Credit Mismanagement
Getting Started: Ways to Establish Credit
Opt-Out: Why It’s a Good for College Students
Forty-nine percent of college students receive credit card applications on a daily or weekly basis. Almost 30 percent of students throw out card applications without destroying them.
Identity Theives count on these facts to take advantage of you.
Credit card companies and banks pre-screen your credit reports before offering a pre-approved credit card offer. Those offers are dangerous. Your thief loves them. You can stop pre-approved credit card offers by opting out of credit report pre-screening through the following web address or telephone number.
- www.optoutprescreen.com
- 1-888-5 OPT OUT (678 688)
You don't want your pre-approved credit card applications arriving after you have left your current apartment or house. Opt out today! It's free and only takes about 60 seconds to opt out of receiving any offers for a five year period.
Do yourself or your college student a favor… Keep the credit card offers out of your mailbox. Doing so will invariably lower the cost of college that you or your student carries into post-college life.
