Credit Management 101 – Complete Series

As a bankruptcy attorney for more than a decade, I truly know how much damage creditors, among other things, can do to your credit.  I also understand how complicated and confusing managing your credit can be. Most people get overwhelmed by credit issues that seem too difficult to deal with. If you don’t know the process, you can easily get lost in all the information and paperwork that creditors and credit reporting agencies heap on you when you’re trying to deal with your credit issues. In fact, if you’re reading this, you might already have a little experience with credit problems and how frustrating they can be.

You’ve probably also seen all those commercials on t.v. telling you they can help you “settle your credit card debt,” negotiate with creditors, or manage your credit score. Our credit is such a big deal to us that we are willing to spend thousands and thousands of dollars on the promises these programs and companies offer trying to fix, or repair our credit and boost our scores as high as possible. I know because I’ve had clients who spent thousands and thousands of dollars trying to manage credit issues only to lose more money and end up filing bankruptcy.

Wouldn’t you love to sit down with a lawyer and get the help you need to fix your credit issues yourself?  Imagine spending hours with an attorney who speaks your language and is willing to teach you everything you need to know to fix your credit on your own!  This online course is designed to do exactly that.  Nearly four hours of plain English instructional videos on everything you need to know to manage your credit yourself.  When you are done with this course, you’ll know how to manage your credit and begin getting your finances back on track.

While this entire course has a $3,000 value, I’m offering it for purchase as a complete series or in separate modules, depending on what issues you need help with.  Of course, you’ll get a discount if you purchase the complete series but, you can save a little money if you know you only need the first module on credit reports. To learn more or to purchase a course, click on the course you’re interested in and get started whipping your credit into shape!

Learn more about Credit Management 101 – Complete Series

Testimonials:

Finally! A course that blends a comprehensive look at money management, while simplifying the course content in a way that is easily understood and applied. This course tackles many different areas of personal finance by exploring each one through a series of modules designed to familiarize you with several aspects of the financial world. I especially love the resources and forms within the course, they are is easy to use to get you the help you need. —Julie C.

Joy Alford Brand is a force of nature. She creates a sense of fun and ownership within the otherwise dry world of credit management. Before I make a frivolous purchase I can hear her voice in my head telling me the things I need to hear.  I am proud that I have reduced my credit card debt, built up a little nest egg and look at my home with a new thrill because I have de-cluttered it and spruced up a few areas. Her down to earth advice and her own personal story gives me the spark to stay on track and feel good about saving money. —Janice W.

Credit Report – Module 1

Have you ever looked at your credit report and been confused, frustrated or even frightened by it?  Do you see things on it that shouldn’t be there or worse, are you wondering what should be on it and what shouldn’t?  Have you been turned down for a loan, or maybe a job even, because of your credit report?  You’ve come to the right place. The Credit Report Module of Credit Management 101 is the best tool you can use to learn everything you need to know about your credit report and how to clean it up.  Joy Alford-Brand created this course after years of looking at credit reports for bankruptcy clients and helping them figure out how to get their credit reports back on track.

 If you need help repairing your credit, this online course can help.  It’s packed full of accurate and important information that’s presented in a way that you don’t need a law degree to understand or put to use.  All you need to be able monitor, read and clean up your credit report is right here in this online course.  You’ll get unlimited access to the instructional videos, slides that you can download to your computer and are yours to keep after you complete the course, and sample dispute letters to help you get started cleaning up your credit.  Oh, and it’s reasonably priced, too!  So, are you ready for a pristine credit report?  Don’t wait, get started now!

Learn more about Credit Report – Module 1

Credit Score – Module 2

Credit scores are on everyone’s minds these days.  You can hardly turn on the television without seeing a commercial with a catchy jingle urging you to keep an eye on your credit score so you can move out of your parents’ house and become an adult.  What they don’t tell you is how credit scores work and the real, practical things you can do to boost your credit score.  This online course has all the information you need to understand your credit score and the things you need to be doing to increase it.  There are so many questions about credit scores out there.  How is it calculated?  When should I close an old account?  Is one kind of account better than another?  This course answers all these questions and more!

This course explains credit scores in a simple, practical way.  After you’ve completed it, you’ll know everything you need to know to maintain the best possible credit score.  You’ll get unlimited access to the instructional videos and slides that you can download to your computer that are yours to keep after you complete the course.  This course is worth every penny you’ll save in lower interest rates and smaller down payments you’ll pay for loans when you have a great credit score.  The sooner you get started, the better your score will be, so don’t wait!  Sign up now!

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Debt Management – Module 3

Great credit really starts with good debt management.  Your credit report and credit score are a reflection of your debt and finances.  There are lots of things you need to know to help you get your debt under control, this is true whether or not you are being hounded by creditors or debt collectors.  If you are being pursued, there’s nothing worse than having your phone ring every five minutes with another debt collector looking for payment.  This online course is designed to teach you everything you need to know about dealing with creditors, debt collectors and debt management.  You should also know your rights under the law, so you can protect yourself against those creditors who would otherwise take advantage of us!

This online course covers every important area of debt management in an easy to understand manner.  No matter what your financial situation is, by taking this course you will save yourself thousands of dollars and hours of time spent wrestling with creditors. You’ll get unlimited access to the instructional videos and slides that you can download to your computer that are yours to keep after you complete the course.  Take control of your debt today!  Sign up and get started on the path to great credit!

Learn more about Debt Management – Module 3

Money Management Miscellaneous – Module 4

Money Management Miscellaneous covers some very important things that can affect your credit, including scams to avoid, identity theft, and bankruptcy as a debt management tool.  These topics fall into the category of things we don’t think about until we have to think about them.  If you have been a victim of a scam or identity theft, or you are thinking about possibly filing for bankruptcy, this reasonably priced course can help by giving you valuable information that can save you time, money and grief, whatever your situation.  Having practiced law for years, Joy Alford-Brand knows that things happen in life.  She designed this online course to help you figure out what to do when it happens to you.

If you are suffering from any one of these nasty credit issues, this online course can be an inexpensive lifeline.  Again, Joy Alford-Brand makes this material easy to understand and put to use so you can become your own best advocate, saving time and money in the process.  You’ll get unlimited access to the instructional videos and slides that you can download to your computer that are yours to keep after you complete the course.  Don’t let bad credit issues weigh you down.  Educate yourself today so you can take back control of your credit.  Get started now!

Learn more about Money Management Miscellaneous – Module 4