Book C&A Professional for speaking engagements, conferences, and seminars.

Classes can be 1 to 4 days long.  Ask for our pricing by calling 678  514-2186.   

Part I – Credit Basics

1. Introduction
   • Course Objectives
   • Getting the Most Out of This Class
10 minute Introduction


2. What Is Credit?
   • Definition of Credit
   • What is a Credit Report?
   • How Credit Affects Families
   • How Credit Affects You
   • Determine Your Credit Health
1 hour followed by a 10 min break


3. Major Credit Laws
   • The Fair Credit Reporting Act
   • Consumer Credit Protection Act
   • Federal Equal Credit Opportunity Act
   • Privacy Act Fact
   • The Federal Trade Commission
   • Truth in Lending
   • Fair Credit Filling Act
   • Telemarketing and Consumer Fraud and Abuse Prevention Act
1.5 hours followed by an hour lunch break


4. Credit Bureaus and Scoring System
   • 3 Major Credit Bureaus
   • Major Banks � What�s Their Role
   • How Credit Is Evaluated � 4 Cs
   • 1st Step To Disputing Incorrect Information
   • How to Obtain Your Credit Report
   • Fair Isaac Corporation
   • Your Credit Score
   • Credit Score Rating
   • How Your Credit Score is Determined
   • Vantage Score � New Scoring System
2 hours followed by a 10 min break


5. Credit Inside Secrets
   • Account Rankings
   • Things That Impact Credit
   • Fake Credit Reports
   • Fico Score Cards
   • Bank�s Internal Credit Scoring System
   • Information on Report
   • Understanding Inquiries
1.5 hours followed by a 10 min break and 30 min Q&A



Part I � Credit Basics

6. Dispute Process � How to Properly Remove Negative Accounts
   • 2nd Step in Disputing
   • Mistakes To Look For
   • Reasons to Dispute
   • 3rd Step in Disputing
   • 4th Step in Disputing
   • Dispute Letter Requirements
   • Bureaus Four Responses
   • Disputing Bankruptcy � The Pros and Cons
   • Consumer Credit Counseling � The Pros and Cons
Day 2: 2 hours with a hour lunch break at 1.5 hours and completion of session once participants return from lunch.


7. Decoding Credit Reports
   • Credit Reporting Codes
   • Decoding of Credit Reports
   • Number of Years Offense Remain on Reports
   • Correcting Credit like the Professionals
   • Samples
1.5 hour session followed by an hour lunch
Participants will identify collection accounts and derogatory Items of credit report and match it up with correct dispute letter from credit correction file.


8. Negotiating With Creditors � Pros and Cons
   • Understanding the 7 Year Cycle
   • Negotiating with Creditors
   • Collection Agencies
   • Ceasecome Letter
   • Fair Debt Collection Practices Act
   • Fair Debt Collections
   • Validation of Debt
   • Judgment Proof
   • Motion to Vacate Debt
   • Garnishment
   • Chexsystems
2 hours followed by two ten min break each hour


9. Good Credit � How to Rebuild It
   • Rebuilding Your Credit
   • Re-Scoring
   • Adding Positive Accounts History
   • Married Couples
1 hour followed by a 10 min break


10. Credit and How It Affects Credit Cards and Loans
    • Closing Credit Cards
    • Paying Credit Cards
    • Types of Loans
    • How Credit Score Affect Mortgages
    • Filling Out A Credit Application
30 minutes


11. Dispute Letter Writing
    • Participants will Identify Items on Credit Report to Dispute (Sample Reports)
    • Participants will Practice Writing a Minimum of 3 Dispute Letters
Day 3: 1 hours followed by a ten min break


12. Identity Theft
    • What is Identity Theft
    • What are the Different Types of Identity Theft
    • How do Criminal Get My Info
    • How Can I Prevent Identity Theft
    • What Steps Do I need to Take If I Do Become a Victim
    • Participants will complete an Affidavit
3 hours: from 10 to 12 followed by an hour lunch. After lunch participants will complete an Identity Theft Affidavit.


13. Budget and Spending Plan
    • What is a Budget
    • Things You Can Do to Cut Down On Your Spending
    • Get Together Your Bills and Pay Stub
    • Enter Living Expenses in Budget
    • Identify Areas of Improvement
    • Make Correction to Budget
    • Complete a Personal Financial Statement
    • Track Spending and Compare to Actual Goals
1.5 hours followed by an 10 min break
Any remaining time will be devoted to Q&A and evaluating student reports or concerns.


14. Professional Assistance (Optional)
    • Evaluation of Participants Credit Reports
    • Determine Appropriate Credit Enhancement Plan i
    • Gathering of All Necessary Paperwork
    • Start Processing and Improvement of Reports
    • Provide Feedback and Updates

REGISTRATION FORM

Start Date of Courses:_03/07/07 Ph. # 678-526-0068
Name: *
Business Name: *
Home Address: *
City: *
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Zip: *
Home Phone: *
Work Phone: *
Business Phone: *
Fax Number: *
E-mail Address: *

SECTION I. PERSONAL PROFILE
Gender: *	Male Female
What is your age? *
What is your ethnic background? *	African-American Hispanic Asian-American Caucasian Native American Other (Specify)
Which category best describes your formal years of education? *	Elementary/Secondary High School Graduate Some vocational/trade Vocational/trade grad Some college A-2 year college grade A-4 year college grade Post graduate college
Including yourself, how many people are in your household? *
Are you the primary income earner in your household? *	Yes No
What was your gross annual income last year from all sources? *

Form of Payment
Card: *	Visa Master Card American Express DC Discover
Account number: *	Cheque Money Order Cash
Exp date: *
Please remit $49 for registration fee. Mail payment to Clark and Associates-2140 McGee Rd – Suite A-2000-Snellville GA, 30078 or Fax to 678-526-0068 Thank you.