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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
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About the ICFE:
About the
ICFE:
The Institute of Consumer Financial Education (ICFE), founded in 1982 by the
late Loren Dunton (creator of the “certified financial planner” (CFP)
designation) and it is dedicated to helping consumers of all ages to improve
their spending, increase savings and use credit more wisely. The ICFE trains and
certifies Personal Finance Instructors for its own curriculum. It also trains
and certifies Credit Report Reviewers and Identity Theft Prevention Specialists.
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, now in its 16th
printing and 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 is also a partner in the national Jump$tart Coalition for Financial
Literacy and the California Jump$tart chapter. The ICFE staff is also active
with San Diego Saves, an offshoot of America Saves, and the California Student
Debt Resource Awareness Project (CASDRAP) (studentdebthelp.org).
The ICFE’s on-line help for consumers who spend too much was featured in PARADE
Magazine in the Intelligence Report section. The money helps and tips are from
“The Money Instruction Book,” a course in personal finance, positioned to become
among the premier programs in the new bankruptcy and debtor education
initiatives.
The ICFE Web site at:
http://www.icfe.info helps consumers 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
videos and how to teach children about money. Other ICFE services include a free
eNewsletter, and an online resource center of financial education learning
tools, including videos, books, software and personal finance courses.
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