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 Credit When
Credit Is Due
COURSE TOPICS
LESSON ONE: THE FACTS OF
LIFE
What you need to know to get along as a financially responsible adult
LESSON TWO: LIVING ON THE EDGE
How to budget and save your
money, and plug your spending leaks
LESSON THREE: TO BORROW OR
NOT TO BORROW
How to decide if you should pay cash or borrow the money you
need
LESSON FOUR: SO YOU HAVE DECIDED TO BORROW SOME MONEY
How to get through the credit-granting process once you have made the
decision to borrow
LESSON FIVE: THE TERMS OF THE DEAL
How to determine if you are getting the deal you bargained for
LESSON
SIX: AUTO LOANS AND LEASES
One of the toughest deals to
negotiate
LESSON SEVEN: HOME SWEET HOME
The largest debt you
are likely to ever have
LESSON EIGHT: CREDIT CARDS AND OTHER
LOANS
What you need to know about credit cards, personal signature loans,
etc.
LESSON NINE: YOU'VE GOT TROUBLE WHEN
How to tell when you may have a problem
LESSON TEN: WHEN YOU FALL BEHIND
Dealing with delinquency and bill collectors
LESSON ELEVEN:
BANKRUPTCY
The ultimate credit overload
LESSON TWELVE:
BUILDING AND REBUILDING YOUR CREDIT
How to establish good credit when you
have no credit history or even a bad credit past
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CWCID Course
OverviewWelcome to Credit When Credit is Due, the nation's foremost
financial and credit education program. This course is designed for the adult
consumer who has used credit, or plans to use credit, and wants a better
understanding of the terms, concepts and "rules" of credit use in the United
States. CCCS of Northeastern Iowa makes this course available to you at a cost
of $40.
This twelve-lesson course gives you the following benefits:
- a comprehensive understanding of the "rules" of
credit use
- recognition of the credit education by each of the
credit reporting agencies
- an identity card from the American Center for
Credit Education
- incentives from partners in the credit
community
Each lesson is a self-contained unit, so you can
read and study any lesson you want in any order you want. However, you probably
will benefit the most if you study the lesson in order. Each lesson should take
you about 45 minutes to read and complete the corresponding test. Of course,
the total time needed to complete the program will vary from individual to
individual.
If you would like to enroll in the Credit When Credit is
Due, click here to complete the sign-up process. Congratulations on taking the
first step toward gaining a better understanding of credit in your
life.
Click
here to enter this unique course! |
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Incentive PartnersThe following organizations
offer incentives for graduates of - Credit When Credit Is Due -
F &
M Bank offers reduced interest rates for graduates in Marshalltown and
Grinnell, Iowa.
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here to enter this unique course! |
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Privacy
PledgeCCCS of Northeastern Iowa joins the American Center for Credit
Education in their commitment to protecting your privacy.
That’s
because we base our business on the trust you place in us. During the process
of enrolling in this program, we will collect both personal and payment
information.
We collect personal information to provide a personalized
environment for learning and to ensure that you receive credit for completing
this program. You can help us ensure your privacy by not sharing your user name
or password with anyone. See below for detailed information about how we
protect your personal information. If you have any concerns, or comments, be
sure to let us know.
Personal Information Needed to Enroll
User name, password and a hint to remind you of the password. First and
last name, address and email address
Payment Information Needed to
Enroll
Name, address and credit card information, (As an alternative,
credit card information may be given via phone)
Is your information
used for any other purpose?
We require only the personal information
that is needed for safely processing your online enrollment, for contacting you
about your progress, and for evaluating the effectiveness of the program. It is
used exclusively for that purpose.
Will your information be given to
any other party?
CCCS and ACCE have access to your personal
information, but will only be used to identify you during the course and to
give you credit upon completion of this program. ACCE will list your name,
address, and CWCID registration number in a national database
registry.
How do we protect your information?
CCCS and ACCE
stay on the leading edge of today’s technology when it comes to protecting
your personal information. We employ 40-bit encryption technology and Secure
Socket Layers (SSL) to protect all areas where your personal identity is
required. Secure Socket Layers allows us to process your information under
encrypted channels.
What about cookies?
We use cookies as a
handy way to give you better service. They personalize your learning
environment and help identify you. You will need to set your browser to accept
cookies if you wish to enroll in this course. Only login data is collected or
stored via cookies.
How do you give us feedback?
Simply click here to send us feedback via
e-mail. Please note that feedback given in this manner becomes property of
the agency providing this service.
How do you correct inaccurate
information?
To correct your account information, please contact CCCS
via the "Contact us" page.
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here to enter this unique course! |
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