Financial Management KEY INFORMATION Course Code: AFB102 Duration: 3 days Fee: £1635 COURSE OUTLINE Investment Appraisal Techniques Accounting rate of return Payback period Net present value Discounting to present value Internal rate of return Sources of Company Finance The nature of limited companies Share capital The stock exchange Venture capital Loan and capital and debentures Retained profits Reporting requirements Managing Working Capital The scale of working capital Managing inventories Managing trade receivables Managing cash Managing trade payables Target audience Chief officers and company directors. Managers and executives. Those who wish to examine the ways in which financial statements and other financial information may improve the quality of decision making. Learning outcomes ... [-]
An authorized user on a credit card account is any person you allow to access your credit card account. Not to be confused with a joint account holder, an authorized user can only make purchases and, in some cases, have access to certain card benefits and perks. Joint account holdership is becoming extremely rare, but typically occurs when two people apply for a credit card together. In joint account ownership, both people are liable for charges and can access and make changes to a credit card account.
Once received, the bureau has 30 days to respond. They will contact the original creditor or issuer of the information to ask them to verify the item. If it can’t be verified, then it must be removed. If that happens, the credit bureau will provide a free copy of your report so you can confirm the item no longer appears. You can also request the credit bureau to notify anyone who inquired about your credit in the past six months. And, you can ask them to send a copy to any employers who checked your report within the past two years.
Nothing in the scoring models suggest that carrying credit card debt month to month is beneficial. It is totally possible to establish a good credit score by paying off your credit card on time and in full every month. Don’t plan to pay interest — in other words, don’t pay just the minimum payment — to build your credit score. It won’t help with your score, and it will cost you a staggering interest payment.
Depending on the bank and the technology in place, you may be able to handle this process entirely online. Some banks allow you to log in to your banking portal to designate additional authorized users, create their own bank login and profile as well as determine the level of access you’d like them to have to your account. Levels of access can range from being able to view transactions only to making purchases. If your bank doesn’t have this technology in place, usually a phone call is sufficient.
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The Savings Secured Visa Platinum Card from State Department Federal is open to anyone, regardless of residence. If you aren’t eligible through select methods including employees of the U.S. Department of State or members of select organizations, you can join the American Consumer Council during the application process. There is no fee associated with joining since State Department FCU pays the $5 on your behalf. There is a rewards program with this card where you earn Flexpoints, which can be redeemed for a variety of options like gift cards and travel. The APR can be as low as 13.99% Variable, which is reasonable considering many secured cards from major issuers are above 23%.
Many approved debtor education providers offer services in languages other than English. For a list of providers and the languages that they offer, select the language from the drop down list below and click "Go". If you are looking for a language that is not found on the drop down list, please contact the Debtor Education Unit at the Executive Office for U.S. Trustees at ust.de.help@usdoj.gov.
As you’d expect, doing credit repair yourself typically won’t be as costly as hiring a credit repair professional. But the cost of credit repair also comes down to the problem: For example, if you’re seeing a dip in your scores because you applied for too much credit, holding off on any inquiries for a while won’t cost you a dime. But if your credit is in trouble because you’re behind on paying debts, it’ll cost you.
ICFE Certified Credit Repair Specialist (CCRS™) have learned the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act (FACTA). They have learned how to read and understand their own credit reports and those of others. They have also learned about the steps to take to guard against credit and identity theft, an important new aspect of the credit report/repair service. Another important aspect in the training is about credit scores; maintaining them or increasing them, which often results in lower credit costs.
For example, couples that share expenses might find it easier to designate one or the other as an authorized user to avoid passing a single card back and forth to make purchases. Perhaps you have a relative who lives far away, and it would be easier to give them access to your credit account for emergency purchases. You may also have a child that you want to assist in building credit history to increase their credit score. Adding them as an authorized user could help with this, but we’ll cover that more in another section.
An authorized user on a credit card account is any person you allow to access your credit card account. Not to be confused with a joint account holder, an authorized user can only make purchases and, in some cases, have access to certain card benefits and perks. Joint account holdership is becoming extremely rare, but typically occurs when two people apply for a credit card together. In joint account ownership, both people are liable for charges and can access and make changes to a credit card account.
Developing a deeper knowledge of financial management techniques helps to qualify a person for a career in banking, the insurance industry and in investment and brokerage firms. Someone already working in the financial world as an accountant, a loan officer or an analyst may move into a position with more managerial responsibility and compensation. International companies need people to write detailed financial reports and oversee complex investments. Any business that practices diversification will be in need of a financial management team.
As you become familiar with asset management ratios such as days sales outstanding and days to turnover, you will be able to apply these techniques in comparing your company’s performance against others in the industry and against its own financial history. The ratio analysis tools you learn will help your organization to design and implement initiatives for increased productivity and profitability.

Though the credit-reporting landscape is changing, there’s still the potential to “piggyback” on a primary account holder’s credit history for a card in good standing. But not all credit card companies report information to credit bureaus for authorized users in all circumstances. However, to know for sure what will be reported to the credit bureaus in regard to your authorized user status, speak with your card issuer for the details of what information is reported and when to credit bureaus.


I had a $10,000 surgery when my medical insurance lapsed. I had to fill out a form with the hospital that stated I could not afford to pay it and they forgave it/never went on my credit. If you make under a certain income, the hospital should help you get those off, call the hospital and ask. It may be too late since it’s in collections already, if that’s the case, don’t pay it because it won’t change the negative impact since it’s already in collections. Wait for it to fall off.
This course will teach you the proven secrets that banks and financial institutions have been using for decades with their non prime credit customers to help them achieve their credit goals. This course is the fastest and safest way to credit approval because it was designed as such. With specific instructions, the only purpose of this course is to generate credit approvals, credit repair just happens to be part of the process.
Finance Theory II introduces students to the financial tools involved in making sound business decisions. The course examines corporate finance theory and how it can be applied to actual business decisions. The lecture notes include topics in capital structure, company value and free cash flow valuation. Practice exams and assignments with answers are also available to download.
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).
In some cases, adding an authorized user can also accrue reward points connected to a credit card account. These reward points can be used to make purchases or receive discounted pricing on things like travel and retail products. Typically, points are accrued from reaching credit card spending amounts within a certain time frame. Sometimes, the act of adding an authorized user can garner additional rewards as well.
More now than at any other time in our history, we use credit. Credit has become a huge part of our lives, and it governs nearly everything that we do. If you want to own a house, you need to have credit to get a mortgage so you can owe the bank for your purchase. Want a new car? You need credit to lease the car from the dealership, paying them monthly payments for the right. Want things you cannot afford usually, then you need a credit card or two so you can purchase things and pay later.
This course was awesome!! Very easy to follow, very informative, and most of all it has a step-by-step guideline on HOW to start your own credit repair business! I highly recommend this course! I had very little knowledge of the credit industry, but now I feel like an expert. Thank you so much for the creation of this course and especially for the tools you have available to help me start and run my own credit repair company. Much love!!
Starting with a brief recap, we break down the drivers of shareholder value to understand what they mean for strategy and for you in your leadership role.  You will take away the skills you need to engage fully in strategic discussions and corporate finance decisions, enabling you to contribute effectively to your organisation’s financial decision-making processes.
Credit Union National Association is the most influential financial services trade association and the only national association that advocates on behalf of all of America's credit unions. We work tirelessly to protect your best interests in Washington and all 50 states. We fuel your professional growth at every level and champion the credit union story at every turn.
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