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| Money
Saving Tips (Listen) |
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| DEALING
WITH CREDITORS |
 Cease
Calling
Creditors are known to excessively harass
consumers even to jeopardize a consumer's
position at work by calling their employer.
Your rights too.
You have rights too. You can send this letter
to any creditor you feel is calling you
in excess.
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Click
here
Word format |
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Click
here
PDF format |
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Fair Debt Collection Act
This act is available to all consumers to read and understand their rights
in regards to debt collection. |
Click
here
PDF format |
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| MONEY
MANAGER WORKSHEET |
 Employment
& Income (New)
The spread sheet will help
you see on paper how much income your household
brings in from all sources a monthly basis.
Include rental income, pension and government
assistance among your source of income.
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Personal Monthly Expenses
(New)
Knowing
how much income your household has on a monthly
basis is just as important as knowing how
much money your household spends on a monthly
basis.
Most customers do monitor their major monthly
expenses such as home, car and utilities.
Your may be surprised by learning how much
of your monthly income leaks out of your
budget through small miscellaneous expenses. |
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| DOWNLOAD MONEY SAVING TIPS |
Fun way to create savings
To download it in PDF format
click here |
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Save money on energy in your
home
To download it in PDF format
click here |
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Save money on fuel (gas)
To download it in PDF format
click here |
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Save money with your checking
account
To download it in PDF format click
here |
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Save money grocery shopping
To download it in PDF format
click here |
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| CREDIT
REPORT MANAGEMENT |
 How
to dispute credit report errors
Nothing
can be more frustrating then finding information
on your credit report that is inaccurate.
Follow these steps to ensure your credit
report is not only accurate, but also remains
accurate.
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Click here
PDF format |
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Credit report dispute letter
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This
is a sample letter you can use to
guide you in preparing your own dispute
letter to a credit report agency. |
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Click
here
Word format |
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Click
here
PDF format |
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| FREE
CREDIT REPORTS |
 Free
Annual Credit Report
The Fair
and Accurate Credit
Transactions A (FACT Act) was signed
into law in December 2003.
The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months.
Because there are three major credit reporting companies, you can get 3 reports, one from each company per year, for FREE!
Free Annual Credit Report
https://www.annualcreditreport.com
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