The credit landscape can be complex, confusing, and it can be difficult to know where to even start. The first step to achieving strong credit health starts with investing in understanding the ins and outs of your credit score. Learning about your credit score and the actions you can take to improve it will help you become better positioned to unlock your full credit potential and achieve your financial goals. Tara Alderete is Director of Enterprise Learning at @MoneyManagementInt the largest provider of nonprofit financial counseling and education in the United States.

Download Presentation: https://files.constantcontact.com/d24c246a601/81ffd0f7-6a9a-494d-907f-2526774487bc.pdf
Download Mastering Your Credit Handout: https://files.constantcontact.com/d24c246a601/337ac6a3-a1d2-4056-ab12-82c01085f40e.pdf

0:01:20 - What is Money Management International?
0:02:15 - Online Learning Community https://learn.mmiuniversity.org/
0:06:00 - What is a MMI Counseling Session?
0:07:10 - What we will cover.
0:09:00 - Credit Assessment Calculator: https://www.360financialliteracy.org/Calculators/Credit-Assessment
0:12:25 - Why is credit Important?
0:15:30 - What are the three Credit Agencies and Bureaus?
0:16:20 - What is on a Credit Report?
0:17:37 - Sample Credit Report
0:23:35 - How do you get your FREE Credit Report? https://www.annualcreditreport.com/
0:30:30 - Identity Theft Statistics
0:33:30 - How to Dispute Errors on your Credit report - https://consumer.ftc.gov/articles/sample-letter-disputing-credit-debit-card-charges
0:40:30 - Medical Debt https://dollarfor.org/
0:43:42 - What is a Credit Score?
0:52:00 - What is a Debt Management Plan?
0:55:10 - Real World Example of Credit Score Impact
0:59:13 - How to Positively Impact Your Credit Score
1:00:59 - How to Establish Credit
1:02:35 - CO-Signer / Authorized User
1:03:40 - Take a Quiz - Get the Answers
1:08:59 - Payday Loans and Car Title Loans
FAST CASH - https://www.moneymanagement.org/blog/fast-cash-loans
ALTERNATIVES TO PAYDAY LOANS - https://www.moneymanagement.org/blog/four-alternatives-to-payday-loans
1:11:58 - Homework
Request Your Credit Report - https://www.annualcreditreport.com/
Create a Budget - https://www.moneymanagement.org/budget-guides
1:14:53 - Call MMI 866-889-9347
1:21:13 - Thank You!

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EMPOWER Series, Inc. is a non-profit corporation dedicated to positively impacting the world by inspiring people to thrive. We provide financial coaching, counseling and personal development workshops for students and adults. Local and national speakers share their inspiring personal stories of empowerment along with addressing a financial literacy topic. We believe that individuals and communities have all of the resources within reach to achieve their desired goals.

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