Tips and Tools For Financial Success - Newton Free Library

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How to Get Your Free Annual Credit Report (from FDIC Money Smart) To order your free annual report from one or all three of the credit reporting agencies, do one of the following: • Submit a request online at www.annualcreditreport.com • Call toll-free: 1-877-322-8228 • Complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service P. O. Box 105281 Atlanta, GA 30348-5281 You can print a copy of the Annual Credit Report Request Form from www.annualcreditreport.com or www.ftc. gov/credit. You will need to provide: • Your name, address, SSN, and date of birth • Your previous address if you have moved in the last 2 years • Identifying information specific to you for security purposes (e.g., amount of your monthly mortgage payment) • Different information for each requesting company, because the information each has in your file may come from different sources In addition to the one free report a year, you may also be able to obtain a free credit report if: • Your application for credit, insurance, or employment is denied based on information in your credit report • You are unemployed and plan to look for a job within 60 days • You are receiving public assistance • You have reason to believe that your report is inaccurate because of fraud, including identity theft If you are not eligible for a free annual credit report, a credit reporting agency may charge you up to $10.00 for each copy. To buy a copy of your report, contact one of the following: • Equifax: 1-800-685-1111 or www.equifax.com • Experian: 1-888-EXPERIAN (397-3742) or www.experian.com • TransUnion: 1-800-916-8800 or www.transunion.com Opting Out Credit card companies often access your credit report so that they can send you applications for their credit cards. • You have the right to opt out of receiving these offers. • The Fair Credit Reporting Act (FCRA) gives you the right to opt out or stop credit reporting agencies from providing your name and address for marketing lists for credit or insurance. • Call toll-free 1-888-5-OPT-OUT (567-8688) or visit www.optoutprescreen.com/. • Another option is to call the phone numbers that may be listed in your credit card privacy notices. 87
Annual Credit Report Request Form You can complete and submit the Annual Credit Report Request form to receive a copy of your free annual credit report. 88
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Financial Literacy at the Library T
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Background and Acknowledgments Fina
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Chapter V. Credit Overview of Credi
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6 Newton Free Library hosted Financ
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8 © 2011 American Consumer Credit
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Goal Setting & Financial Planning (
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Financial Goals Worksheet (SMART)
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Planning For Unexpected Life Events
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1. Determine what to keep at home a
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5. Keep a close watch on your bank
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20 Kip Child, FDIC Community Affair
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Introduction to Banks (from FDIC Mo
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24 Debit Cards • Fees? • Fee wa
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Ways to Take Money Out of Your Acco
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Using Electronic Banking (from FDIC
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Activity 1: Checking Account Fees (
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Activity 3: Record Transactions in
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Sample Check Register Check Number
Page 37: Paper Money Copy, cut, and put the
Page 40 and 41: III. Budgeting Practice Good Habits
Page 42 and 43: Create a Budget—and Pay Yourself
Page 44 and 45: Household Budgeting Worksheet Housi
Page 46 and 47: Read the scenario, review the Month
Page 48 and 49: Increase Your Income How might how
Page 50 and 51: Develop a Spending Plan A spending
Page 52 and 53: Implement Your Plan Seek Assistance
Page 54 and 55: • Educate yourself and learn more
Page 56 and 57: Budgeting Quiz 1. How long should y
Page 58 and 59: Budgeting Quiz -Answers 1. Correct
Page 60 and 61: IV. Saving and Investing Preparing
Page 62 and 63: The true magic of compound interest
Page 64 and 65: 9. Pay off high-interest credit car
Page 66 and 67: Risk-Return Relationship Table (FIN
Page 68 and 69: Compounding with Tables (FINRA Inve
Page 70 and 71: Retirement Savings Vehicles (FINRA
Page 72 and 73: In most cases, you roll over a trad
Page 74 and 75: Activity 2: Savings Goals Worksheet
Page 76 and 77: Investing Quiz 1. Which of the foll
Page 78 and 79: Investing Quiz - Answers 1. Correct
Page 80 and 81: Making your First Investments http:
Page 82 and 83: V. Credit Overview of Credit What i
Page 84 and 85: What Is a Credit Report? (from FDIC
Page 86 and 87: How the Credit Report Is Used (from
Page 90 and 91: Credit Cards: What Are They Used Fo
Page 92 and 93: Credit Card Comparison Chart (from
Page 94 and 95: ACCOUNT ACTIVITY Date of Transactio
Page 96 and 97: Activity 1: Maria’s Credit Report
Page 98 and 99: Activity 3: Who Poses the Most Cred
Page 100 and 101: Credit Terms and Definitions Bankru
Page 102 and 103: 8. All of the following appear on y
Page 104 and 105: VI. Borrowing Basics Types of Loans
Page 106 and 107: Car Loans (from FDIC Money Smart) T
Page 108 and 109: To Rent or To Own? (from FDIC Money
Page 110 and 111: Activity 1: Which Loan Is Best? (fr
Page 112 and 113: Activity 3: How Much Mortgage Can P
Page 114 and 115: Note: Make sure you compare loan of
Page 116 and 117: Estimated prepaid amounts for inter
Page 118 and 119: Borrowing Basics Quiz 1. Which of t
Page 120 and 121: Answers for Borrowing Basics Quiz 1
Page 122 and 123: VII. Life Skills Menu Planning Work
Page 124 and 125: Grocery Shopping Tips 1. Clean out
Page 126 and 127: Computer Terms and Definitions Comp
Page 128 and 129: Housing Terms and Definitions Appli
Page 130 and 131: 8. According to the 2010 Consumer E
Page 132 and 133: VIII. Glossary Glossary (excerpted
Page 134 and 135: Compounding: Interest paid on money
Page 136 and 137: Interest: A percentage of your bala
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Stocks: Parts of a company, called
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IX. Recommend Resources Bibliograph
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Careers and Life Skills Bostick, Na
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Heath, Julia A. Personal finance es
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Debt information for teens: tips fo
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Tutor/Teacher Cordell, Jane. Cambri
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Newton Free Library Financial Educa
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I. Learning English Online Resource
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Investor Knowledge Quiz - http://ww
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American Consumer Credit Counseling
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Nationwide Resources (from American
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This publication is made possible b
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