ICFE Certified Credit Report Reviewer, Cindy Morus, Introduces FREE eBook:
Credit Card Insider Tips with useful scripts for reducing credit interest rates.
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ICFE Certified Credit Report Reviewer, Cindy Morus, Introduces FREE eBook:
Credit Card Insider Tips with useful scripts for reducing credit interest rates.

San Diego, CA. - A new, free eBook, Credit Card Insider Tips, shows both counselors and consumers ways to reduce credit card debt, how to negotiate lower credit card interest rates or an increase in credit limits. The author, Cindy Morus, of Hood River, OR. has been an ICFE Certified Credit Report Reviewer' (CCRR) since 2004.

A former self-confessed financial failure and "desperate housewife", Cindy has coached hundreds of people to financial well-being. She leads a team of financial coaches who empower people to become financially savvy and secure with her MoneySmart Woman' program.

As a CCRR, Cindy Morus knows that most consumers are in the dark about how credit card companies play the money game. Even fewer know the do's and don'ts of smart credit negotiation. "You have to know what you're doing", Cindy explains, "so that you can negotiate effectively without jeopardizing your credit score."

If you have a credit card you need to read this eBook, whether you're currently carrying a balance or not. Many of Cindy's students have saved thousands by using this valuable information. But Cindy also shares insider secrets about the credit card industry that most consumers never hear about - like how consumer credit scores can be penalized just for talking to the credit card company. The eBook tells readers exactly what to say to stay out of trouble.

Curtis Arnold, Editor of CardRatings.com, says, "What I love about Cindy's approach is that she doesn't just explain ideas". She literally provides readers several scripts that tell you exactly what to say and what not to say when you call up the credit card companies. It's something anyone can do - and they will get tremendous financial benefit by simply following Cindy's directions."

You can get your free copy of the eBook: Credit Card Insider Tips at www.CreditCardInsiderTips.com


About the ICFE:

The Institute of Consumer Financial Education (ICFE) was founded in 1982 by the late Loren Dunton (creator of the Certified Financial Planner (CFP) designation).  The ICFE is dedicated to helping consumers of all ages to improve their spending, increase savings and use credit more wisely. 
The ICFE is an award winning, nonprofit, consumer education organization that has helped millions of people through its education programs and Resources. It publishes the Do-It-Yourself Credit File correction Guide, which is updated annually. The ICFE has distributed over one million Credit/Debit Card Warning Labels and Credit/Debit Card Sleeves world wide.

The ICFE became an official partner with the Department of Defense/Financial Readiness Campaign in June of 2004.The ICFE was an active partner in the California Student Debt Resource Awareness Project (CASDRAP) which resulted in a new web site: (studentdebthelp.org).  CASDRAP disbanded in 2010, shortly after the web site project was completed.  In 2011 the ICFE assumed the single sponsorship of the (studentdebthelp.org) web site and is now responsible for its content and operation.

The ICFE is also an on-line help for consumers who spend too much.  ICFE's spending help was featured in PARADE Magazine in the Intelligence Report section. The money helps and tips are from the ICFE's Money Instruction Book, our course in personal finance.

Visit the ICFE's other web sites at: www.financial-education-icfe.org and studentdebthelp.org.  Both sites helps consumers and students with mending spending, learning about the proper use of credit, budget and expense guidelines, how to set up and implement a spending-plan and also how to access financial education courses and how to teach children about money. Other ICFE services include: Ask Mr. G,  a free eNews, and an online resource center for students, parents and educators, plus financial education learning tools and a book store.

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