Credit Made Simple信贷变得简单.ppt

Steps to take If you think someone has your information, or if you are a victim of identity theft: Review your credit report Place a fraud alert on your credit report Equifax: 1-888-766-0008, Experian: 1-888-397-3742, TransUnion: 1-800-680-7289, Close the affected accounts File a complaint with the local police File a complaint with the FTC: /idtheft Resources The Federal Trade Commission: /credit Opt out of unsolicited credit card offers:  1-888-5-OPTOUT (1-888-567-8688) Personal Finance on CNN Money: /pf Planning on MSN Money:  /credit-and-debt/ Glossary of credit terms: /app/answers/detail/a_id/241/noIntercept/1/kw/terms The Financial Aid Office For help with budgeting, credit, or any financial concerns, come by the Financial Aid Office any time, Monday-Friday, 8-5. Dennis (A-H) Margaret (I-R) Nancy (S-Z) * Also get a free credit report if you are turned down for credit. * You may be able to negotiate a payment schedule or a lower interest rate. Credit Made Simple Presented by the Financial Aid Office and the Medical Alumni Association What is credit? “Credit” is a promise to pay later, under designated terms, for goods and services Your “credit” means your credit file, or credit report There are three credit reporting agencies: Equifax, Experian, and TransUnion Each agency keeps a separate credit file for you, and each may have different information Each agency has its own scoring model and its own score for you, but all scores range roughly from 350-850 What is a credit report? A credit report is the collection of your credit history and records maintained by a credit reporting agency The report includes personal identifying information, as well as a history of your credit usage and payments Negative information (such as late payments) stays on for seven years, except bankruptcy - which can stay on your credit report for up to 10 years Get your credit report for free at  How to Read a Credit