GettingAcquainted-Toolkit

Complete Credit Management Toolkit© 3.0

Smartly Manage Your Credit

Rebuild Your Credit

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Getting Acquainted With The Credit Toolkit

You anxiously await an answer from a lender for a mortgage, business loan, credit card or personal loan, only to read the loan denial letter that puts a sinking feeling at the bottom of your stomach. Don't give up. With this credit toolkit, you can implement the right kind of strategy to improve your credit history and score. Let's get acquainted with the toolkit now.

Getting Acquainted

Getting Acquainted:

This CD is a convenient tool for smartly managing your credit, clearing errors in your credit report and improving your credit history and score. It has over ninety documents on it. Browse the topics on your opening screen, for example, credit education tools and rebuilding credit tools to become familiar with this important information. When you are not sure about a credit issue, just ask our credit consultant.

Getting Started A:

To begin to improve your credit, read both, general instructions and strategies and guidelines found under rebuilding credit preparation tools. These step by step documents will help guide you through improving your credit and score. Next, after you get all three copies of your credit reports, open the check your credit report analysis worksheet tool. This important tool will help you, in an organized manner to develop your plan of action to improve your credit. Check the automated version of the worksheet tool on the credit toolkit update web page.

Getting Started B:

Need to complete a budget, before you determine how much you can pay monthly towards an over due debt? Do not guess. Once you negotiate a monthly amount with the creditor, it is important to stick to the agreement. Print and complete the budget worksheet, or, to automate your budget, open the budget under automated financial tools. For negotiation help with a creditor or collector, review the phone script, found under rebuilding credit preparation tools.

Getting Started C:

Become familiar with frequently ask credit management questions found under credit education tools. Plus, review need to know information before communicating with a debt collector found under rebuilding credit preparation tools. All of these documents will provide you with knowledge and information needed in order to implement the right strategy to improve your credit.

Using Letters:

Letters are in Word and Word Perfect formats. When you open a letter to send to a creditor, credit bureau or collection agency, choose the format you are comfortable working in. Save letter with a new title. To delete header in Word, double click greyed text, then hit the Control key plus the A key. That will select everything in the header, then hit delete. In Word Perfect, highlight the header selection, then hit delete. When using a word letter, put the cursor in the area to be filled in, then start typing information.

Tips on Managing Credit:

Annually, request a free copy of your credit report from Equifax, Experian and Trans Union. Do this by visiting www.annualcreditreport.com. Review each report for accuracy of account and personal information. If a credit report includes a 30 day late payment, call or write the creditor and ask them to delete it from your report, even if the account has been closed. Do not close long established accounts. Fifteen percent of your credit score is based on this category. Do not ignore a collection notice. Contact the collector immediately. Refer to credit education tools for help in this area.

Online Updates:

Stay Informed With Credit Toolkit Online Updates. Get the latest developments in the credit world that may impact your credit picture, plus important documents and tools to help you better manage your credit. We are passionate about helping you maintain good credit because we know your CREDIT RATING is one on the most important assets you own. Updates

Getting Started: Part A

Getting Started: Part B

Getting Started: Part C

Using Letters

Tips on Managing Credit

Online Updates

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