At National Credit Federation, we want to help everyone understand their credit, so we developed our Credit University. As experts in the credit industry, we have used our extensive industry knowledge to create a series of courses. You can review courses on an array of topics from basic credit scores to debt collection laws and become a credit pro.
The Walmart Credit Card® offers a three-tiered cashback program to benefit avid Walmart shoppers. Save 3% on Walmart.com purchases including Grocery Pickup, 2% on Murphy USA & Walmart gas, and 1% at Walmart & anywhere your card is accepted. Your cash back will be issued monthly as a statement credit for all earnings during that period. Note: This card can only be used at Walmart Stores, Walmart Supercenters, Neighborhood Markets, Walmart.com, Walmart and Murphy USA Gas Stations and Sam’s Clubs.

The Affinity Secured Visa® Credit Card requires cardholders to join the Affinity FCU. You may qualify through participating organizations, but if you don’t, anyone can join the New Jersey Coalition for Financial Education by making a $5 donation when you fill out your online application. This card has an 12.60% Variable APR, which is one of the lowest rates available for a no annual fee secured card and is nearly half the amount major issuers charge. This is a good rate if you may carry a balance — but try to pay each statement in full.
Learn critical points of the CROA, the FCRA and the FACTA laws. The complete texts are included in the CCRS™ Independent Study Guide (ISG). Also learn what a credit report review/repairer is and what they do. Discover if your profession is among those on the list of who need CEUs available to those enrolling and completing this exciting and beneficial program. Are among the types of professionals who may benefit from the enhancement to your experience with the CCRS™ training? If you said yes, please read on.
The magic formula for determining your credit score isn’t publicized, but there are some general guidelines. For instance, experts say your credit utilization (your debt in relation to your credit limit) should be below 30%, and ideally 10%, for the best effect on your scores. This means that closing credit accounts may actually be a bad move — it’s wise to do the numbers with a professional.
Credit and debt go hand in hand. If you’ve faced challenges with debt, then it’s probably affected your credit, too. In many cases, you need credit repair to correct mistakes and errors in your credit report that you may have picked up along the way while getting out of debt. Just by removing these errors, you can raise your credit score instantly with each successful dispute. There are a few ways to repair your credit and a few things you should know before you get started.
While much of the DIY credit repair information available out there can be helpful, the sheer volume can feel overwhelming — not to mention being sure you’re getting the right information. That’s why we’ve put together this short tutorial outlining three easy ways you can fix your credit problems. As with every endeavor, educating yourself on the options available is the crucial first step.
Having a strong internet presence in the credit repair business is not an option, it is a necessity. This is like an online shop where you get to display your services for the world to see. Not having a credit repair business website is like cutting the chances of the world knowing about you and your business short. Most credit business owner makes the grave mistake of taking this vital step last after getting all other products in place. This is the exact opposite of what should be done if you want to let the world out there know about your business and make some serious profits. In the section dedicated to website setup on the software, we have carefully explained how and why you should have your website setup first amongst all other things required. (All trainings are in video format).
The magic formula for determining your credit score isn’t publicized, but there are some general guidelines. For instance, experts say your credit utilization (your debt in relation to your credit limit) should be below 30%, and ideally 10%, for the best effect on your scores. This means that closing credit accounts may actually be a bad move — it’s wise to do the numbers with a professional.
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