• • • • • • Your credit score is based on the 3 “C’s” of credit: Collateral, Capacity and Character. Credit scores were developed to combat discrimination in lending. Pull your credit report at least once a year through from annualcreditreport.com to find and correct errors. Check your credit accounts for accuracy. Someone with “bad” credit could pay more than $250,000 over a lifetime in interest and fees...more than someone with ‘good” credit. Protect your information from identity theft online, in stores, and when paying in establishments, even among family members. This is where most theft occurs. Consumer Credit Counseling Service of Central Oklahoma CCCS is a non-profit agency committed to helping people help themselves to become financially strong individuals and assisting families through debt management and education. www.cccsok.org 405.789.2227 1.800.364.2227 • Your credit score is based on the 3 “C’s” of credit: Collateral, Capacity and Character. • Credit scores were developed to combat discrimination in lending. • Pull your credit report at least once a year through from annualcreditreport.com to find and correct errors. Check your credit accounts for accuracy. • Someone with “bad” credit could pay more than $250,000 over a lifetime in interest and fees...more than someone with ‘good” credit. • Protect your information from identity theft online, in stores, and when paying in establishments, even among family members. This is where most theft occurs. • Consumer Credit Counseling Service of Central Oklahoma CCCS is a non-profit agency committed to helping people help themselves to become financially strong individuals and assisting families through debt management and education. www.cccsok.org 405.789.2227 1.800.364.2227 • FINRA Investor Education Foundation http://www.saveandinvest.org/ Unbiased tools and information for military families and all investors. • FINRA Investor Education Foundation http://www.saveandinvest.org/ Unbiased tools and information for military families and all investors. • Annual Credit Report http://www.annualcreditreport.com Monitor and review your credit report with the big three credit agencies: TransUnion, Experian, and Equifax. • Annual Credit Report http://www.annualcreditreport.com Monitor and review your credit report with the big three credit agencies: TransUnion, Experian, and Equifax. • Federal Reserve Consumer Information http://federalreserve.gov/consumerinfo/ A new guide that includes answers to common questions about your credit report, how your credit report is calculated, and how to fix credit report errors. • Federal Reserve Consumer Information http://federalreserve.gov/consumerinfo/ A new guide that includes answers to common questions about your credit report, how your credit report is calculated, and how to fix credit report errors. • Federal Trade Commission http://www.ftc.gov/bcp/edu/microsittes/idtheft Provides detailed information to help you deter, detect and defend against identity theft. • Federal Trade Commission http://www.ftc.gov/bcp/edu/microsittes/idtheft Provides detailed information to help you deter, detect and defend against identify theft. • Can I Pay My Credit Card Bill with a Credit Card? by Mary Hunt Non-judgmental answers to an array of finance questions • Can I Pay My Credit Card Bill with a Credit Card? by Mary Hunt Non-judgmental answers to an array of finance questions • The Smart Consumer’s Guide to Good Credit by John Ulzheimer The tools you need to master the world of credit, before you get into trouble. • The Smart Consumer’s Guide to Good Credit by John Ulzheimer The tools you need to master the world of credit, before you get into trouble. • Credit Repair by Robin Leonard and John Lamb How to clean up your credit messes now. • Credit Repair by Robin Leonard and John Lamb How to clean up your credit messes now.
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