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Learn to Manage Credit

When it comes to using and managing credit, you need to be informed about the decisions you make. Whether you're establishing or maintaining your credit -- empower yourself by learning how to use credit wisely. Securing and growing your personal wealth starts with sound credit management. Select an article below to start learning how you can better prepare. 

ClearPoint's Financial Specialists are available to provide you with additional educational information on these topics. If you have specific questions about Credit Counseling Solutions, just contact us.

Importance of Good Credit
Be aware of the impact your credit has on your financial success.

Understanding Borrowing
Know all of your lending options - and their pros and cons - before you make the decision to take a loan.

Higher Minimum Payments
Understand how recent increases in minimum credit card payments can impact you.

How to Pay Down Your Debt
By implementing strategies for repayment to creditors, you can experience better results in reducing your debt.

Know the Terms of Your Agreement
Terms defined! Know your rights, responsibilities and get clarification before you sign up for a credit card.

Using a Debit Card
Learn about the best ways to use your debit card and protect your financial security.

Pay Bills Online
Find out the details on why you should or shouldn't use online bill pay, depending on your financial situation.

Managing Your Credit Card
Credit cards do serve a convenient purpose and, if you manage them carefully, they can be of great benefit to you. However, if they are misused, they can become a nagging headache that won't go away.

Bankruptcy and Your Credit Report
Before you file for bankruptcy, find out how this important decision can affect your credit and your future.

Protect Your Credit Identity From Theft
Identity thieves can make off with their good names as well as your money. If you are vigilant, you can stomp out credit frauds before they start.

Use Your Tax Refund for Debt Relief
Identity thieves can make off with their good names as well as your money. If you are vigilant, you can stomp out credit frauds before they start.

Credit Card and a Free T-shirt = Risk
ClearPoint Credit Counseling Solutions offers the following tips to help college students keep their budgets balanced, their debts down and their financial futures positive.

Manage Student Loan Lenders
Students who need to borrow money for college can feel intimidated. There are loans available for anyone who needs money to finance their education.

Identity Theft and Your Credit Report
Identity theft occurs when a person's personal data and financial information is wrongfully obtained to commit fraud. The thief can open new accounts or take out new loans, or misuse existing accounts.

Tempting Junk Mail Offers
Junk mail solicitations not only present spending temptations, but also potential opportunities for identity thieves.

What is a DMP
It's a systematic, step-by-step, personalized plan for paying off 100 percent your debt.

Get Motivated to Pay Down Debt
As the saying goes, "Anything worthwhile is never easy." Paying down or reducing your debt is no exception.