Ally Wallet Wise Credit Workbook
Credit
Credit – making it work for youWelcome to Ally Wallet WiseCreditWe make decisions about money every day, but sometimes it’s hardto know if we’re doing so wisely.Issues such as credit, household budgets, bankingand investing, and buying and insuring a car canbe challenging. That’s where Ally Wallet Wise canhelp. We’ve created the curriculum to help take themystery out of these important topics, and provideanswers that can help you make good decisionsabout your money.Ally Wallet Wise is divided into four differentworkbooks: Budgeting, Banking & Investing, Creditand Automotive. In this workbook you will learnmore about Credit including how to apply for andmaintain good credit.This workbook can be used in a number of helpfulways: As an introduction to those who have neverapplied for credit As a refresher for those who want to reacquaintthemselves with the many aspects of theseimportant financial services topics As a self-study guidebookThroughout this workbook you will find:In this workbook, you will learn about different types ofconsumer credit, how to use credit responsibly and theimportance of maintaining good credit history. You will alsolearn about the various resources available to help you betterunderstand credit. Key TermsMore Than One Meaning Exercises that help explain specific conceptsThe word credit can be used in two different ways: Review Questions1.Credit is a process involving a consumer anda provider of credit, allowing a consumer tobuy now and pay later. You may be looking tobuy something that you really need, but don’thave the cash to pay for the purchase atthat time.2.Credit also refers to a person’s recordrelating to paying bills when they are due.This is also referred to as “creditworthiness.” Helpful Resources – numbers to call andwebsites to visit for more information Stories that illustrate how the information inthese pages can impact all of us, every dayIf you learn just one way to make better decisionsabout your money, this workbook will have been asuccess. We hope that by reading and using thisworkbook, you will be more knowledgeable andbetter prepared when seeking credit. Also, visitAllywalletwise.com for additional resources andinformation.Note: The examples used in this workbook are forillustration only and may not accurately reflect any availabletransactions. This workbook is a general overview of pointsand principles you may want to consider as you buildyour money management skills. Only you can decide whatis best for you. Ally makes no representations that thisworkbook is appropriate for your situation, and Ally takesno responsibility for the decisions you make. This workbookdoes not offer tax, legal or investment advice. You shouldconsult a professional advisor for advice on those topics.If you have no credit history,creditors have a limited basis onwhich to make a decision aboutwhether or not to give you credit –particularly if there’s a major purchase suchas a car or home involved. You should look forways to establish good credit early on, such asobtaining a secured credit card and onlyspending what you can afford.The Importance of Good CreditIt is important to establish a good credit history,primarily by making your payments on time. Yourcreditworthiness will affect not only your ability toborrow money or purchase goods and services oncredit, but also:Did You Know?Your Employment Potential employers may require a credit reportPayday loans can be avery expensive formof credit. Poor credit could mean you are not offered a jobHere’s how they work:Your Living Accommodations Landlords regularly request credit informationon applicants seeking apartments1.2.3.4. Landlords do not want tenants who do not paytheir billsYour Finance Rate Individuals with better credit histories cangenerally negotiate lower finance rates for loansthan those who are greater credit risksYour Convenience Renting a car, making hotel reservations andshopping online are much easier if you have acredit card Credit cards may be difficult to obtain if youhave bad credit2Why You Need aCredit HistoryA borrower writes a personal check payable to the lender for the amount the personwants to borrow, plus the fee they must pay for borrowing.The company gives the borrower the amount of the check less the fee, and agrees tohold the check until the loan is due, usually the borrower’s next payday.Or, with the borrower’s permission, the company deposits the amount borrowed — lessthe fee — into the borrower’s checking account electronically.The loan amount is debited on the person’s next payday.The fees on these loans can be a percentage of the face value of the check— or they can be based on increments of money borrowed: say, a fee forevery 50 or 100 borrowed. The borrower is charged new fees each timethe same loan is extended or “rolled over.” In some cases, the roll-over feescan result in finance charges and excessive annual percentage rates of morethan 300 percent.(This information was taken from the Federal Trade Commission (FTC)Website. tm. TheFTC works to prevent fraudulent, deceptive and unfair business practicesand provides information to help consumers spot, stop and avoid them. Tofile a complaint or get free information on consumer issues, visit ftc.govor call toll-free, 1-877-FTC-HELP)3
Types of creditHow to evaluate a credit card offerTo make wise choices, it pays to understand the types of creditavailable to consumers and how you can determine which may beright for you.Sometimes it may seem like credit card offers are everywhere – inour e-mail, on TV, in the mail. How can you tell which credit card isright for you?There are many different types of credit. The threecommon types are: Short-Term Credit: This is a loan that is oftenpaid back in less than a year. An example of thisis a payday loan or a small loan from a creditunion or a small loan company. Installment Credit: This is a loan you agree topay back at regular intervals, such as monthlyinstallments. An example of this would be a carloan or a mortgage. Revolving Credit: This is credit available upto a pre-determined limit so long as regularpayments are made as required. An example ofthis is a credit card.Since credit cards, a form of revolving credit, are among the mostpopular and widely available forms of credit for consumers, we’ll dealwith them in more detail here. You may be familiar with credit cards,but do you know how they work and why?When you make a purchase with a credit card,you agree to pay the card issuer the amount owedunder the terms of the card. Your credit cardcompany must mail or deliver your credit card billat least 21 days before your payment is due. Formany cards, you have to pay an annual percentagerate on purchases if you carry over a balance. Thisoccurs when you do not repay the full amountcharged on the credit card.While credit cards are convenient for buying thingswhen you do not have cash on hand, they can beexpensive if you charge more than you can affordto pay back. Try to avoid making purchases on yourcredit card if you will be unable to pay the balancein full at the end of the billing period.In addition to mailing your bill in a timely manner,under the Card Accountability, Responsibility, and4 Annual percentage rate (APR) – This is thecost of credit, expressed as a yearly rate. Periodic rate – This is the interest rate used tofigure the finance charge on your balance. Annual fee – Amount you pay to be acardholder. Similar to a membership fee. Grace period – This is the number of days youCredit cardsA credit card is a payment device issued by afinancial company that allows you to make apurchase when you don’t have cash on hand.Borrowing limits for the card are pre-set bythe issuing financial institution, based on thecardholder’s credit rating and other factors such asemployment or educational status.Consider the following when evaluating a creditcard offer:Disclosure (CARD) Act of 2009,credit card companies arealso required to: Offer new protectionsfor college students andyoung adults. This includes arequirement that card issuersand universities discloseagreements for marketing ordistribution of credit cards tostudents. Potential card holderswho are under 21 years of age needto show that they are able to makepayments, or they will need a co-signer, such asa parent, to open a credit card account. Eliminate two-cycle (double-cycle) billing. Thismeans credit card companies can only imposeinterest charges on balances in the currentbilling cycle. Create contract terms that are disclosed inlanguage that is easy to see and understand.This helps you avoid unnecessary costs andmanage your finances better.For more information, visit: www.federalreserve.gov/consumerinfo/wyntk creditcardrules.htmhave to pay your bill before finance charges beginto add up. Finance charges – Most lenders calculatefinance charges using an average daily accountbalance. Look for offers that use an adjustablebalance that subtracts your payment from yourbeginning balance. Other fees – Some cards charge a fee whenyou get a cash advance, make a late payment orexceed your credit limit.Key terms that apply to creditIn any financial transaction, it’s important tounderstand key terms. This is the best way toensure you make a wise financial decision that isright for you.Capacity: Your ability to pay your debts as theycome due.Charge-Off: When a creditor writes off theaccount balance as a “bad debt.”Collateral: An asset pledged to the provider ofcredit until the credit obligation is paid. Example: Ahome or car may be used as collateral to secure aloan for that home or car.Co-signer (co-buyer/co-lessee): A person whoassumes equal responsibility for a contract orlease agreement.Creditor: A person or organization that regularlyextends credit that is subject to a finance chargeand to whom the credit obligation is initiallypayable on the face of the contract.Credit Report: A report about you and yourpayment history, prepared and maintained by acredit reporting agency.Credit Reporting Agency: A firm that collects,sorts and sells information about an individual’scredit history.Credit Score: A numerical score that reflects –at a point in time – what your past and currentcredit usage predicts about your future creditperformance. The better your history of credit, thehigher your score.Lien: A legal claim on ownership stemming from acredit obligation.Permissible Purpose: The legally acceptablepurpose(s) a creditor or organization has to obtaina person’s credit report. Example: When you applyfor credit, you are giving your potential creditor thelegal right to obtain your credit report.Repossess: In the event of non-payment of a creditobligation, a creditor’s legal right to take the assetyou have pledged as collateral and sell it to pay offthe credit obligation.Becoming Wallet WiseWhen I was a freshman in college I receivedmany offers from credit card companies to open anaccount. I obtained three credit cards and in return, thecredit card companies gave me free things like t-shirtsand water bottles. Unfortunately, I maxed outmy credit card limits and graduated with 5,000 of debt.Now, students under 21 need to showthey are able to make payments or havea co-signer before they can get a creditcard. I wish this law was in place whenI was 18. I may have only been offeredthe amount of credit I couldreasonably pay or a co-signer likemy parents would have made mypayments for me if I was unableto do so.5
Understanding your credit report andcredit scoreUnderstanding Your Credit Report and Credit Score (cont.)Whether you want to finance or lease a vehicle, obtain a credit cardor buy a home, the credit application you fill out is the first step inthe process.What’s a Credit Report?A credit report is a document that containsinformation about you and your paymenthistory. It’s collected and organized by a creditreporting agency and is available to those who areconsidering granting you credit, which can be inthe form of a credit card, mortgage, car loan ormany other financial instruments.There are three major credit reporting agencies:Equifax, Experian and TransUnion. Thesecredit reporting agencies collect and sort theinformation obtained from creditors.How Credit Report Information Is CollectedEach time you are granted credit or make apayment on an account, that information isgathered by Equifax, Experian and TransUnion.Some of the information collected includes thetype of account you have – such as revolving orinstallment credit – and how often you pay.Next, the credit reporting agencies package andsell the information in the form of a credit report.Your current and potential creditors can then buythe credit report and evaluate whether or not toapprove or deny you credit.addresses and birth date. This informationcomes from your past credit applications, so itis important to completely and honestly fill outforms every time you apply for credit.2. Employment information – Includes currentand previous employers.3. Public records information – Includesbankruptcies, tax liens and monetary judgmentsand – in some cases – overdue child support.4. Adverse/collection account information –This reflects any non-payment of a debt, suppliedby either the original creditor or a collectionagency (an example would be a situation when autility bill was left unpaid).Generally, there are six types of information thatyour credit report reflects:1. Personal identification information –Includes your name, spouse’s name, SocialSecurity Number, current and previousIt’s a good idea to review your credit report on aregular basis. Making sure that your credit reportdoesn’t include any credit cards or loans thatyou didn’t apply for is your best defense againstidentity theft. Also, checking your report helpsensure that your credit score is being calculated onthe basis of accurate information.If you find mistakes on your credit report, takeaction immediately. Contact the credit reportingagency with the following information:You can request a free credit report once every12 months from each of the nationwide consumercredit reporting agencies. If you’re really focusedon monitoring your credit, you may considerordering one report every four months (bystaggering your use of each credit company’s freereport policy). Remember that the three majorcredit bureaus are different private companies andwhile they may have much in common, they areseparate entities. Therefore, it’s important to lookat your credit reports from all three agencies – theymay differ from each other in important ways. Request that the error be corrected5. Credit account information – This lists eachof your accounts with banks, stores, credit cardissuers and/or other credit sources. For eachaccount, the information about date opened,amount, balance, monthly payment and paymentpattern going back several years will be listed.Most negative information may be kept for asmany as seven years.For information on how to request your report, goto www.annualcreditreport.com or call toll-free(877) 322-8228. Important note: While the creditreport is free, you have to pay a fee to obtain yourcredit score.6. Inquiry information – This is the record of whorequested and obtained copies of your creditreport, usually within the past two years.If you want to receive a credit report morefrequently than the free one you can get once ayear, you can – for a fee – obtain a copy of yourcredit report from any of the three major creditreporting agencies listed below. Call themtoll-free or visit their websites for moreinformation.Did You Know?What’s in Your Credit Report?Your credit report provides a lot of usefulinformation, including answers to such questionsas: Do you pay your bills on time? How manycredit obligations (such as credit cards and loans)do you have? What is the total amount of creditthat has been extended to you?Mistakes happen – but you cancorrect them Your credit report DOES NOT containcertain personal information such asyour race, religious preference, medicalhistory, personal lifestyle, personalhabits, social life, names of friendsor relatives, political preference orcriminal record. It also does not containinformation about your checking orsavings accounts, or major purchasespaid with cash or check. The Equal Credit Opportunity Actprohibits discrimination related to creditbecause of your sex, race, color, maritalstatus, religion, national origin or age.It also prohibits discrimination related tocredit if you are receiving public assistanceor if you have exercised your rights underthe Federal Consumer Credit ProtectionAct. For more information visit: m Your name and address The item(s) that is (are) incorrect Provide documents to support your positionThe credit reporting agency must look into yourrequest within a reasonable period of time (usually30 days) and delete any information it can’t verify.For more information on the steps you can taketo correct your credit and understand your rights,visit www.consumerfinance.gov.If you dispute information in your credit reportand the investigation does not resolve the dispute,you may add a consumer statement to yourcredit report. This statement is your personalexplanation for errors or adverse items on yourcredit report. It should be 100 words or less andsent directly to the credit reporting agency inquestion.CreditReportExerciseTest your Credit ReportIQ. Answer yes or noregarding what is – oris not – in your creditreport:*1. Late payment onyour furniture loanM YesM No2. EmploymentinformationM YesM No3. On-time paymentsmade on yourdepartment storecredit cardM YesM No4. Your birth dateM YesM No5. Your raceM YesM NoGet a copy of your credit reportwhenever you want – for a feeEquifax800-685-1111 equifax.comExperian888-397-3742 experian.comTransUnion LLC800-888-4213 transunion.comBecomingWallet WiseWhen I got a copy of my creditreport I saw an error. I thought:That’s it, it’s all over. I’ll neverbe able to get this fixed. But Iwas wrong. I was able to get thedocuments and show the creditrating agency that a mistake hadbeen made. I didn’t need to hire alawyer or spend any money.It took a little effort on my part, butit was worth it to have the errorcorrected and know that my creditreport is accurate.*Answers: 1. Yes, 2. Yes, 3. Yes,4. Yes, 5. NoWhen you fill out and sign a credit application,you are giving permission to the creditor to obtaina copy of your credit report. This is an exampleof when a creditor has a permissible purpose toobtain your credit report.Get a copy of your credit reportevery 12 months – free!7
Identity theftWhat is a credit score?If you find the errors on your credit report are more than mistakesand are the result of someone using your information to obtain credit,you may be the victim of identity theft.What is it?Identity theft is a fraud that is committed orattempted using another person’s identifyinginformation without authority. Often, identitythieves use another person’s information to getcredit, such as credit cards and mortgages andother loans.Who does it?Identity theft can be committed by professionalthieves, in sophisticated operations, or it can becommitted by someone who knows you and hasaccess to your personal information.How to prevent it?You can take steps to prevent identity theft bysafeguarding your personal information andkeeping your important financial papers (includingbills) in a safe place. If you no longer needdocuments that have your personal information,shred the papers before putting them in the trash.You can monitor your credit on a regular basis forsigns of fraud or you can pay for a service that willdo this monitoring for you. You can also follow uppromptly if anything in your financial life seemsamiss such as receiving bills for credit cards youdidn’t think you had or calls from collectionsagencies. These may be signs your identity hasbeen stolen.If you are a victim of identity theft, what canyou do? The Federal Trade Commission (FTC)suggests these immediate steps:1. Place a fraud alert on your credit reportsand review your credit reports.2. Close the accounts that you know, orbelieve, have been tampered with or openedfraudulently.3. File a report with your local police or thepolice in the community where the identitytheft took place.For more information on identity theft, includingdetails on how to resolve fraud, see the FTC’swebsite for the latest information and 04.shtm#IdentityThere are commercial services that, for a fee,will monitor your credit reports and alert youto changes to your accounts.If you’re considering signing up for a service, besure you understand what it is you will get for yourmoney. Also, check out the company with yourlocal Better Business Bureau, consumer protectionagency and state Attorney General to see if theyhave any complaints on file.8Equifax. Each score is based on information thecredit bureau keeps on file about you. The range forFICO credit scores is between 300 and 850, with850 being the highest score you can receive.Your credit scoreAccording to Fair Isaac corporation, your FICO credit score is based on five factors. Here ishow much each factor contributes to the overall score:Paymenthistory35%Explanation of FICO ScoreCredit scores are sometimes called FICO scores.This is a commonly used credit scoring methodthat was developed by Fair Isaac Corporation in1956. You have three FICO scores, one for each ofthe three credit bureaus: Experian, TransUnion andAmountsowedLengthof credithistory30%NewcreditTypesofcreditused15% 10% 10%This information is provided by Fair Isaac Corporation, and is used with permission. Copyright2001-2011 Fair Isaac Corporation. All rights reserved. FICO is a registered trademark of Fair IsaacCorporation. Further use, reproduction, or distribution is governed by the FICO Copyright UsageRequirements, which can be found at www.fico.com.4. File a complaint with the FTC.Credit monitoring servicesPrices and services vary widely. Many of theservices only monitor one of the three majorconsumer reporting companies.A credit score is a number that reflects theinformation in your credit report. The score isbased on your credit history and helps creditorspredict how likely it is that you will repay a loan andmake payments when they are due. Creditors mayuse credit scores in deciding whether to grant youcredit, what terms you are offered or the rate youwill pay on a loan. You also may hear a credit scorereferred to as a “credit rating” or as a “ FICO ”score. In general, when it comes to borrowingmoney, the higher your credit score, the more likelyyou are to be viewed as a better credit risk. Thosewith higher credit scores are more likely to get aloan or credit card with a low interest rate andlow fees.How to get on the right trackNow that you understand what credit is, the information on yourcredit report and what activity can impact your credit score, here aresome tips on how to manage credit denial and improve yourcredit worthiness.If You Are Denied CreditWeak Credit on Your Own? A Co-signer May HelpFirst, be sure to find out why. That often meansasking for an explanation when you receivenotification. It may be something simple like nothaving enough income or living long enough in thecommunity or it may be that you have too manydebts.A creditor may allow you to have a co-signer(such as a spouse or parent) sign the financecontract with you in order to make up any creditweakness. In this case, the creditor will evaluateyour co-signer’s and your creditworthiness bothindividually and combined, ideally leading to youbeing able to obtain the credit you initially desired.Under the Equal Credit Opportunity Act, you mustbe notified within 30 days after you complete yourapplication regarding whether your request forcredit has been approved or not. In cases wherecredit is denied, you must be notified in writing.Specific reasons must be given or you must be toldof your right to ask for specific reasons.Should You Be a Co-signer?A co-signer needs to know that he/she assumesequal responsibility for the contract, and theaccount history can be reflected on the co-signer’scredit history as well.9
Review credit basicsTips for establishing good creditIf you are a victim of identity theft, what can youdo? The Federal Trade Commission (FTC) suggeststhese immediate steps:1. Pay your bills on time. You are considereda good credit risk if you have a history ofpaying your bills on time.2. Have a small amount of total debt. Makesure your total debt is not too large. If alarge portion of your income each monthis already committed to paying off othercredit, creditors may be hesitant to extendyou additional credit.3. Don’t have a lot of open credit. Excessopen credit can result from having too manycredit cards. While you may think having alot of credit cards with high limits is a signthat you have good credit, creditors maylook on your available credit as being apotential debt. In other words, creditors maybelieve too much open credit may lead youto overextend yourself in the future.set up a realistic budget and better understand thewise use of credit. If you contact the National Foundation for CreditCounseling – www.nfcc.org or (800) 388-2227– they can help you find the Consumer CreditCounseling Service (CCCS) closest to you. The CCCS is a nonprofit organization that offersconfidential counseling and helps create a debtmanagement plan for a small fee.Beware of Certain Fee-Based Credit Repair ClinicsWhen you find yourself in credit-related trouble,it can feel overwhelming. Often you wish youcould find one easy solution. That’s the momentwhen credit counseling companies may gain yourinterest. While there are nonprofit companiesout there that exist to help you solve your creditproblems, there are many others that are notlegitimate or may charge high and unnecessaryfees that appear to go toward fixing your problems,but in reality do little more than to run upadditional bills.A Pitfallto AvoidIf you are faced withextreme financialburdens and considerfiling for bankruptcy,pursue this option onlyif you have no otherchoice. Remember,bankruptcies andcharge-offs – whena creditor writes offthe amount you owebecause of your inabilityto pay – are viewednegatively on your creditreports.a. Because your family will inherit it, and it’simportant to plan for their futureb. Because anyone can access your credithistory at any time to learn about youc. Because good credit history can generallyhelp you negotiate for a lower finance rated. Consumer protection laws state it is yourresponsibility to maintain good credit2. What might happen if you fail to makeseveral payments on purchases that youmade a year ago?b. Negative information may be added to yourcredit reportc. You could be denied credit in the futured. All of the above3. How can you find what your credit historylooks like?5. Only use a small amount of your totalavailable credit. Creditors like to see thatyou use your credit with restraint – usingsome but not “maxing out” your cards.First, contact your creditors and see whatyou can do to get their help in resolving theproblem. You can explain your situation andask for a reduced or delayed payment plan. Byreaching out to your creditors, you can let themknow you are willing to pay the obligations. Whenyou do this, be sure you don’t make promises youcan’t keep. Most creditors will work with you ifyou give them a realistic payment plan and followthrough as promised.1. Why is it important to maintain a good credithistory?a. The item(s) can be taken away from you, if theitem(s) secured the credit obligation you tookon when you bought the items4. Showcase you are stable andresponsible. Creditors look for signs ofstability and responsibility. Numerouschanges in address and/or employmentmay hurt your rating.If you do find yourself slipping into serious financialdifficulty, take action immediately to fix theproblem.Answer the following questions as a review on credit.*a. Contact a credit reporting agencyBecomingWallet WiseWhen my boyfriend wanted a new truck,he asked me to cosign for him on the loanbecause his credit was not good. I did it, butnow I regret it.After my boyfriend and I broke up, hestopped paying on the loan and now thebank has taken action to collect from mebecause I am the co-signer.I wish I had thought about theconsequences of taking responsibilityfor a loan like that.b Ask a private investigator to find out all theycan about youc. Look yourself up on the Internetd. Check your family’s credit history4. Which of the following is not somethinga creditor will look at before granting youcredit?5. If you dispute information on your creditreport, you can add a consumer statementexplaining the circumstances.a. Trueb. False6. If you can’t make your car payment, it’s bestto wait until the next month to catch up onthe payments.a. Trueb. False7. If you are denied credit, the creditor is notlegally required to explain why.a. Trueb. False8. Students under 21 need to show they areable to make payments or have a co-signerbefore they can get a credit card.a. Trueb. False9. Your credit report is available to anyone,regardless of the reason.a. Trueb. False10. A creditor can deny you credit based onyour marital status.a. Trueb. Falsea. If you pay your bills on timeb. Where you live and your living arrangementsc. How many credit obligations you haved. How much you owe on all your accountsThen, seek outside help to solve yourimmediate financial difficulties and help youget on the right path to avoid future problems.Find a professional nonprofit credit counselingservice to help you organize your current finances,*Answers: 1. c, 2. d, 3. a, 4 . b, 5. a, 6. b, 7. b, 8. a, 9. b, 10. b1011
Consumer resourcesIf you’re having trouble repairing your credit, beloware a few government reso
Welcome to Ally Wallet Wise. We make decisions about money every day, but sometimes it’s hard to know if we’re doing so wisely. Issues such as credit, household budgets, banking and investing, and buying and insuring a car can . be challenging. That’s where Ally Wallet Wise can help. We’ve created the curriculum to help take the
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Ally Wallet Wise Workshops InCharge is proud to offer Ally’s Wallet Wise program to consumers looking to improve their financial health. Free workshops teach budgeting, credit savvy, banking basics and smart auto financing. Learn Money InCharge supports
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