Participants: Cordell Thomas
Series Code: TITTB
Program Code: TITTB000026
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00:01 On Take it to the Bank,
00:02 you'll find ways to get out of debt. 00:09 Solve your credit card problems, 00:14 how to make and stick with the budget, 00:19 simple ways to save... 00:24 buying or selling a home, 00:27 and many more financial matters on Take it to the Bank. 00:32 Hi, my name is Cordell Thomas 00:33 and welcome to Take it to the Bank. 00:36 This program is really important, I think, 00:37 as it develops an opening for us 00:41 to begin the dialogue of the importance of budgeting 00:43 with our students, our young people, our children. 00:47 This is a key area that they need to be aware 00:49 because we're gonna talk about 00:51 another top reason for financial crisis. 00:54 And it has to do with tuition, student loan debt, 00:59 as well as ID theft. 01:01 And that's what we'll talk about today. 01:03 Lots of little things are going on in our communities 01:07 in reference to colleges 01:08 and we hear some of the conversations 01:10 that are actually happening on on-term, 01:12 on real time basis on the websites 01:14 as well as on our national syndicate TV programs. 01:21 This is a critical issue. 01:22 I mean, one of the things we do from step one of organization 01:27 is we do financial literacy training. 01:29 And one of the concerns that we have 01:31 in reference to financial literacy 01:33 is the key issue of training not only the parents 01:38 but also the children. 01:39 If we're gonna change the children's perspective, 01:42 it goes back to the parents. 01:44 We're finding that the statistics are showing that 01:48 this under-served communities in poverty actually exists, 01:52 and spirals, and recycles it selves over generations. 01:55 So if we're not able to stop 01:57 this cycle of poverty in one generation, 01:59 it will continue 02:01 because of the example set for the children. 02:03 So what we talk about now is, can we talk to the parents? 02:07 And that's what we'll do first. 02:09 And we go and chat with them about 02:10 financial literacy issues, about the same things, 02:13 about assessing where you're at, 02:15 about taking a look at creating a budget, 02:18 about cutting your expenses and then, of course, 02:21 creating an emergency savings account, 02:23 and then, of course, going after that debt, 02:25 and trying to pay it off as quickly as you possibly can. 02:28 Once we talk to them about those issues, 02:30 then we can begin the dialogue of how do we address credit? 02:34 What is the essence of credit? What is a credit report? 02:36 How do you look at a credit report 02:38 and read a credit report? 02:40 What is the basic for a child to understand a credit report? 02:45 Should a child be reading a credit report? 02:47 Well, I don't know but you get the free credit reports 02:50 on yearly basis. 02:52 And the reason I bring children into the credit report issues, 02:54 you know that as we talk about the major frauds 02:57 that are going on, 02:58 and the scams that are happening 03:00 with people in their livelihoods. 03:02 One of the biggest things to realize is if it happens, 03:05 check you inner circle first, 03:07 it typically comes from friends and relatives 03:11 that gain access to certain information. 03:13 But it's also even more devious 03:15 because we're finding that our children, 03:18 five, three-five, seven year olds 03:20 are having their social security numbers 03:23 stolen by their parents 03:25 or people that can get access to, 03:27 or steal those data bases 03:29 that have their numbers associated with it. 03:32 So we're finding that there are critical issues 03:35 that are relevant to families 03:38 when we're dealing with finance 03:41 and educating people on finance. 03:42 So what we want to do is teach the parents, 03:44 talk to the parents, 03:46 and then once we've talked to them initially 03:47 about the importance of supporting 03:50 their young people in this education and finance, 03:53 then we go to the young people and we say, "Hey, okay. 03:56 We have a program for you. 03:57 We want to talk to you about saving and providing, 04:01 planning for these purchases that you'd like to make." 04:04 A lot of kids think that they can easily purchase a bike 04:07 because you can put it on a credit. 04:10 What are the three "Cs" of accessing credit? 04:15 Well, the bank is gonna look at your character, 04:16 so they find about your character 04:17 through your credit report. 04:19 What is another "C"? Your capital. 04:22 What is your capital? 04:23 It means how much money you have saved. 04:25 If you have money saved in the bank, 04:26 they know that you have a certain type of emergency fund 04:29 to help pay off the debt on that card if you use it. 04:32 And then, of course, they look at capacity. 04:35 Capacity is the fact that you have a job. 04:38 The job will sustain money going into your account 04:41 and help pay on that debt regardless of what it is. 04:44 So we teach kids these specific elements 04:46 and the importance of credit 04:48 and also try to tell them to stay away from it, 04:51 because that's one of the nightmares that people, 04:53 young people are getting into, 04:55 which leads us to what we're talking about today. 04:57 With tuitions rates rising, 05:00 and the cost of Ivy League schools 05:03 costing so much money, 05:05 what is the best approach for people to take 05:09 when we're talking about going to school and teaching... 05:13 And kids getting that graduate experience, 05:18 and graduating the BS degree and going on to get PhD. 05:21 The context is it's important for them to understand 05:24 how they study that, 05:25 because you and I know that when we went to college, 05:29 we didn't really know what we want to do first two years. 05:31 And, of course, the first two years of college 05:33 when I was there 05:34 way back at the day was general studies 05:37 which you can pick up at any university 05:39 and community college setting. 05:41 The difference is you're not paying 05:43 as much to go to school at a community college 05:47 which is accessible 05:48 to many students on an ongoing basis. 05:51 But even the community college 05:52 can provide stress related to financial issues. 05:56 I know because I was a part of a committee 05:59 in the Riverside area. 06:01 And we sat down and found out there are lot of students 06:03 that would sign up for community college 06:07 so that they could sign up for tuition assistance. 06:13 That tuition assistance could take many different forms 06:15 in the form of a loan, in the form of a grant 06:19 and we found that the students, once they got the grant, 06:22 they may come to school for a couple of classes 06:24 but then they will disappear. 06:26 They wouldn't complete the class, 06:27 but they would take the money which is a critical issue 06:29 because student loans follow you. 06:31 They follow you, you can't get them 06:34 taking care of through bankruptcy 06:36 or they can't just go away. 06:37 They stay with you for life, 06:40 and those are critical issues to be aware of. 06:43 The context of a student loan 06:45 and how kids use it is critical, 06:47 because we haven't yet taught our kids 06:51 then how to budget the use of those funds. 06:54 We need to talk to them about how they use funds, 06:57 how they access the funds and what they do, 06:58 because those funds that are given to them 07:00 to go school needs to be budgeted 07:03 over the course of that year. 07:05 And it has to be used for food, and clothing, and dormitory, 07:09 and all those type of elements 07:11 that support them completing that year of school. 07:14 And many kids don't know that. 07:16 And we see that, it's relevant 07:18 because kids are actually coming in, 07:19 signing up to get the funds 07:21 and they go on and do other things with the funds 07:24 which will follow them for years and years to come. 07:27 So these are important issues that need to be discussed 07:30 with your students 07:31 when it comes to the issue of student loan debt 07:36 because it's there. 07:37 It's a relevant issue. 07:38 So as we talk about these issues, 07:41 we also need to talk to our kids 07:43 about identity theft and what that consists of. 07:47 There is so much of it going on 07:49 as we now know of as it's in the news all over the place. 07:56 And if we're not aware of it and willing to teach our kids 08:00 about it on a proactive basis, 08:01 we begin the process of creating 08:04 and setting them up 08:06 for disappointment in the future 08:07 because they're not aware of some of the things 08:12 that can come and devastate them from a credit standpoint 08:17 and from the standpoint of not paying their loans 08:21 on a timely basis. 08:23 How much time do you have 08:25 after you graduate to start repaying back those loans? 08:31 Study that, it turns out you have six months 08:33 before you have to plan the process of beginning 08:35 to repay those loans once you graduate. 08:38 Many people don't know that. 08:40 And the other thing is with the state of the economy, 08:44 we have a lot of kids coming out of school 08:47 and there are no jobs available. 08:49 In fact, because of the state of the economy, 08:51 you have the parents that are actually working 08:53 the jobs that kids coming out of school 08:55 would be picking up once they graduate. 08:57 But now, the parents are doing those jobs 09:00 so the kids don't have anywhere to go to find work. 09:03 So we're finding kids coming out of school, 09:05 paying a lot of money for school, 09:07 getting into debt for school, 09:08 and they don't have any work 09:10 to take on to help in the repayment of that debt. 09:14 What is the average or a typical type of loan debt 09:19 that a student would have? 09:21 We're finding from 09:22 under graduate high profile schools, 09:24 it can be as much as $40,000, 09:27 between 19,000 upwards of $40,000, 09:29 that students will come out in debt. 09:31 If you go into post graduate school 09:33 and get your PhD, or going to medical school, 09:36 it can be upwards of a $160,000 to $175,000, 09:39 even upwards of $200,000 worth of debt 09:41 that these young people are coming out facing 09:45 before they even hit the reality of life. 09:47 So there is a lot of communication 09:50 that needs to happen between you, and your child, 09:53 and your young person 09:55 as we prepare them for how we do things, 09:58 and a lot of how they do things will be based on what? 10:03 It will be based on how you behave 10:07 and what type of example you set for your young person. 10:13 Upon graduation, 10:15 we mention that they have approximately six months. 10:18 Key, what type of debt do they have? 10:21 How do we approach the conversation 10:22 with them about debt? 10:23 How do we talk to them about budgeting to use their funds 10:27 associated with their potential degree? 10:31 These are serious questions that we need to ask 10:33 and we need to set our kids up for. 10:35 And I try to do so now, more so with my son 10:38 because as we talk through things of, 10:40 "Dad, I want to buy this." 10:42 "Well, do you have the money to but it?" 10:43 "Oh, I forgot to bring my wallet." 10:44 Well, you should begin to think about those types of issues 10:48 because we can't just go to a store with one thing in mind 10:51 and all of a sudden you want to buy something, but then, 10:53 why do you want to buy it? 10:55 Is it something you need? 10:58 Well, I don't think I really need it. 11:00 Is it something you want? Yes, I wanted. 11:02 Have you been prepared to... have you prepared to buy it? 11:05 Well, I'm prepared 11:06 because I have the money in my wallet. 11:07 But you don't have the wallet with you. 11:09 But the key is teaching them to budget 11:11 and teaching them to adhere to a budget 11:14 that they would set up. 11:15 Their budget could be a $10 budget 11:16 on a weekly or monthly basis 11:19 of what they have to make expenditures, 11:21 but it's teaching them a context of 11:23 what we should be doing on a larger scale. 11:26 Assessing where we are from a debt standpoint, 11:28 he shouldn't have any debt. 11:30 And we should teach him not to go into debt. 11:32 And then, of course, creating the budget, 11:34 so you know where your money is coming from 11:35 and you know where your money is going, 11:37 tracking where those expenses are. 11:40 And of course, for us, 11:41 it takes on an additional step of not only creating the budget 11:47 but cutting those expenses that we have, 11:49 so we can live within our means, and be happy, 11:52 and spend time doing things 11:55 where money is not the priority, 11:57 it's what we do with the money that becomes the priority. 12:00 And then, of course, cutting those additional expenses, 12:04 assessing where our debt is, 12:07 and attacking that debt with a vengeance. 12:10 And of course, with the savings that we have, 12:12 we can put money away into savings and investments 12:15 that will help the whole family in the long-run as we plan. 12:19 Things that we haven't even talked about 12:21 should also be brought up with the kids, trusts, 12:23 and wills, and insurance, 12:24 and those type of things can help prevent, 12:27 and help make someone as whole as possible 12:30 after a devastating loss. 12:35 There are variety of things we can talk about 12:37 in reference to finding a job, the problems that people have. 12:42 And then, there's other problems 12:44 that are going on now. 12:45 I saw the story on the web and it was interesting 12:48 as the video came across 12:49 where a young person got a dramatic amount of money. 12:56 I believe, it was $50,000 on a yearly basis 12:59 to put her through law school. 13:01 And of course, to get that type of full scholarship to do it, 13:05 there are certain requirements, 13:07 you have to maintain a certain GPA, 13:10 you have to also maintain 13:12 certain standards within school system. 13:15 And what happened in that setting was, 13:19 she had a family, she had, I believe, five children. 13:23 Everyone gave up everything 13:24 to move to that location for her to go to school. 13:27 And then, what we found was, 13:29 she got the stress that she wasn't aware of. 13:33 Spouse wasn't working, couldn't work, lost his job. 13:35 And so everything was reliant upon her 13:38 stipend to keep them going. 13:40 So the first thing they should have done 13:42 was budgeted that $50,000 of the course of the year 13:46 to ensure that they have things in place 13:48 to pay for things as it need be. 13:50 But then, there came the struggles with children 13:54 as they were going to school, certain... 13:57 kids didn't have the work ethic possibly, 13:59 they were getting sick, 14:01 there was other stresses that added to her stress load 14:05 in reference to going to school. 14:06 So her grades suffered 14:08 and what happened was that she lost the scholarship. 14:12 And now, the whole family 14:13 is in the whole state of disrepair 14:15 because the father isn't working 14:18 and now the mom, who is going to school, 14:20 doesn't have the means to go school 14:22 because they cut her funding. 14:24 And these are real life perspectives 14:27 as it has to do with student loans 14:29 and or scholarships. 14:30 Now she's probably has to rely on a student loan 14:33 as opposed to the scholarship 14:34 which will create another level of indebtedness. 14:37 School is not anything to take... 14:42 not take seriously, 14:43 because if we don't think about those things now, 14:46 they will become relevant issues 14:48 in the very near future. 14:50 Now, the other element 14:52 that people don't think about has to do with 14:56 how we use those loans 14:58 that we're given to go to school. 15:00 We typically think of a college student 15:03 as 18 to 22 year-old 15:05 that goes to school right out of high school 15:08 and they are not married. 15:10 But that has changed tremendously. 15:12 In fact, we're seeing that many of our college students now 15:16 have chosen not to go directly to college 15:19 but to work a bit and save money to go to school, 15:23 or a variety of other explanations could be there. 15:27 But we're finding that 15:28 the typical college student is older now. 15:30 They are pretty much around 28 to 32 years of age. 15:33 They have worked a little bit, saved a little bit of money 15:35 so that it can defray the cost of going to school 15:37 and they're now back in school. 15:39 They have acquired a student loan 15:41 and they are married. 15:44 So one of the things to look out for in this case 15:46 with the student loan issues is budgeting the money wealth 15:49 to last over the course 15:51 of the timeframe that you needed, 15:53 but one of the other things is maintain a spending record 15:56 of you and or your partner's spending habits. 15:59 Review it and make copies of credit card 16:02 and bank statements. 16:03 It is not uncommon for a vindictive spouse 16:07 to go on spending sprees 16:09 in order to deplete the family assets 16:13 and or to rack up debts. 16:15 These are real and these are relevant concerns 16:18 that we should all be well aware of, 16:21 because if we're not, 16:23 it will come back to haunt us and to create problems. 16:27 So I ask you to do a couple of things. 16:29 Develop some type of channel of communication with your kids, 16:32 with your young people. 16:34 16, 14, 18 year-olds 16:36 that are just getting ready to graduate high school 16:38 or are in the midst of their high school years, 16:41 it's key because these kids know what's going on. 16:43 They are multi-tasking. 16:45 They are on the phone, they're on the computer, 16:46 they're doing their homework. 16:48 They're doing variety of things. 16:49 We're dealing with a whole 16:50 different generation of young people. 16:52 And they know, and they know. 16:54 So it's a matter of us now coming up 16:57 and being the right... stepping it up, 16:59 and being the right type of examples 17:00 for our young people as they prepare 17:03 to take on independence and take on responsibility. 17:08 Key: The first issue to look at right now 17:11 in reference to financial crisis, 17:13 student loan debt. 17:15 And what we want to do is to prevent our kids 17:19 that problem of starting life in debt. 17:24 Let's try to prevent that from happening. 17:26 And the second issue 17:27 that is really big issue is fraud, identity theft. 17:32 All you need is 17:34 to go to any type of financial lit person, 17:36 and they'll show you all of these brochures 17:39 on identity theft and what to look for. 17:42 Look, charges are made to your accounts 17:44 that you did not authorized. 17:46 It's an indication 17:47 that your identity has been stolen. 17:49 Your credit is denied due to a poor credit rating 17:53 despite you believing 17:55 that you have a good credit history. 17:57 That goes to character, that goes to access to credit, 18:00 that's what people are looking for to give you credit 18:04 and if you have a good character 18:06 and payment history. 18:08 You are contacted by creditors regarding amounts 18:10 owned for goods, amounts owed for goods or services 18:15 that you never obtained or never authorized. 18:17 Your credit card and bank statements 18:19 are not received in the mail as expected. 18:22 These are little warning signs that you should be aware of 18:25 that you may be a victim of ID theft. 18:29 And this one is critical. 18:31 A new or renewed credit card is not received. 18:35 One of the things we try to do 18:38 is to try to tell people that you need to be aware. 18:40 Did you apply for something? 18:41 If you apply for something, look for it. 18:44 We received a grant from a major bank 18:47 and that grant never came in the mail. 18:51 So when they tell you that the grant has been funded 18:55 and we are sending you your check, 18:59 I then begin tracking 19:01 when it was sent to when it should arrive. 19:03 It was sent from the East Coast, 19:05 so I'm gonna give it about five business days 19:07 to get to the West Coast and get into our PO Box. 19:10 It never arrived. 19:12 In fact, that first week it didn't arrived. 19:15 So the next week I called and said, 19:16 "It hasn't arrived yet." 19:18 "Oh, don't worry," this and that and the other. 19:20 And then the bank said, "If it doesn't arrive, call us 19:25 and we will put a stop pay on it, 19:27 and of course, we issue a new one." 19:31 Now that was, kind of, interesting 19:32 because they give the check 45 days to get to me, 19:38 45 days and a lot of things 19:40 can happen within those 45 days. 19:42 And that's a bank telling you these types of things. 19:44 So what I do is track the mail on a daily basis. 19:47 After 10 days, it didn't arrive. 19:49 15 days, it didn't arrive, 20 days, it didn't arrive. 19:52 And I began the process of saying, 19:54 "You know what, 19:55 let me send you a letter on letterhead and tell you, 19:58 could you please stop pay on that check? 20:01 Could you stop pay on the check 20:03 because I'm concerned that it's in someone else's hand, 20:05 it was put into the wrong mail-box, or PO Box." 20:08 And whatever else could be going on with that amount. 20:11 And a grant is a very serious thing 20:13 because I'm held responsible 20:14 for how that grant is used and allocated. 20:18 But, of course, you would think that 20:20 no one could actually cash your check 20:21 because they don't have my business name. 20:24 But ID theft is out there. 20:28 What actually ended up happened, 20:29 to make a long story short is, 20:31 the bank actually sent it to a branch manager 20:35 who is going to get a photo up and actually give me the check. 20:39 And I didn't know that, they didn't tell me that. 20:41 They didn't even know that themselves. 20:43 But it was exciting to hear a call from him and he said, 20:45 "Oh, yes, Mr. Thomas I received the check." 20:49 You know, "I'm sorry, Mr. manager, 20:50 but I stopped pay on that. 20:52 Could you resolve the situation and fix it for me?" 20:56 And within three or four days, 20:57 we had a new check sent, reissued, 20:59 and we had that photo up. 21:02 What I'm trying to tell you is this. 21:05 You're going to make applications for credit, 21:08 you're going to send checks in certain places. 21:11 You're gonna receive your bills in your mail box. 21:15 If you're expecting a bill and it doesn't come in, 21:19 check to make sure that your credit is okay. 21:22 There are things that you can do 21:23 to prevent things from happening. 21:25 And I have personally, 21:26 from a family member standpoint, 21:28 witnessed someone in my family who was targeted for ID theft. 21:33 And the stress that it caused the family 21:36 and what they had to do to resolve the issue. 21:40 So those are critical elements to identity theft. 21:44 Now tips for preventing it are key. 21:48 We can send you some of these brochures 21:49 if you request it. 21:51 I would ask you to go online at some point in time, 21:53 if you get a chance to make a short video of yourself, 21:56 or send us an email 21:57 which will be provided at the end of the show. 22:00 But tell us what you're doing to save money. 22:02 Tell us what you're doing 22:03 to prevent certain problems in your life. 22:05 Tell us what you're doing to pay off debt. 22:08 We would like to hear 22:09 these type of concerns that you have, 22:12 that you may have. 22:13 And some of the solutions that you can provide, 22:15 because I always like to listen, 22:17 hear some of the success stories 22:19 that are going on all around us. 22:22 But here are some simple tips 22:24 that you can use to prevent anything 22:27 from happening to your identity. 22:31 Never give personal information 22:33 via the telephone, mail, or internet 22:37 unless you have initiated the contact. 22:39 Now there's a whole lot going on 22:40 with that specific one. 22:42 People will call you all the time, 22:43 and they'll sound excited. 22:45 "We have this for you 22:46 but what we'll need from you is your account number 22:48 and your social security number." 22:51 When anyone calls you 22:54 and asks you for personal information, 22:57 just hang up the phone, 22:58 or what I could recommend doing is find out who they are. 23:02 Find out what company they're from. 23:04 If you have any type of phone number identification 23:10 so you can see the phone number come up on your screen, 23:12 on your telephone, register the number 23:15 and then contact the right authorities 23:18 to report this type of fraud. 23:20 You need to make sure 23:21 you're taking a proactive approach 23:23 so it doesn't impact not only you 23:25 but other important people in your life. 23:28 The other thing that you need to be aware of is 23:31 don't open an email 23:32 that you don't recognize who it's from. 23:35 And if they have a link in the email, 23:37 don't even tap on that link. 23:38 Because there is technology that's out there 23:41 that can download information directly to your computer 23:45 and that can start tracking your key strokes, 23:48 track where you went, 23:49 it can actually find out information on your computer 23:52 about your personal pass codes, 23:55 it can find out personal information about you. 23:58 And then, all of that information is out there. 24:00 And guess what they do. 24:02 They take your information, your personal information, 24:04 your pass codes, your passwords 24:06 and they sell it out on the big market. 24:08 So your information could be going over to Nigeria 24:11 and to the Europe and to many other countries 24:14 that are willing to purchase this information. 24:17 And it's a big thing right now. 24:19 And many people are losing their identity 24:21 because they are not taking care to know 24:25 who they open email from. 24:29 What I also recommend is spend, 24:32 as many manufacturers right now, 24:33 or retailers have fantastic offers on shredders. 24:38 As a nonprofit, I purchased a shredder from a retailer 24:42 and because I have a tax exempt card, 24:45 I was able to get this fantastic shredder 24:47 that typically cost about $104 for like 39 bucks. 24:51 They're inexpensive now. 24:53 Invest in one, it's key to help in prevent 24:56 because people are rummaging through people's garbage. 25:01 They are looking and stealing mail 25:03 from people's mail boxes. 25:05 And they're also targeting 25:06 your young people, your children. 25:08 They are looking to find out information 25:11 and social security numbers from children 25:13 so they can use. 25:14 And what is bothersome 25:16 is the major perpetuators of this crime 25:19 are the parents themselves. 25:21 So there are many things that you can do. 25:23 I ask you to get involved, go online, 25:25 check on what you can do to prevent identity theft 25:28 and take an active role 25:30 in preventing it from happening. 25:32 Shred documents and paper 25:34 which contain personal information about you. 25:37 Don't give out personal information. 25:39 Never click on unsolicited emails, 25:41 on links on unsolicited emails. 25:44 Or instead type in that web address 25:48 that you do know to ensure that's the case. 25:51 I used to get emails, spam emails from individuals 25:55 that ask you to click on a link to go to your bank website 26:01 to correct specific information. 26:03 And they were quite open about it. 26:04 They're asking you for your username, your password, 26:07 straight and out, and all this kind of stuff. 26:09 All they were doing was trying to get my information 26:12 because it was a mirror site of the actual Wells Fargo site. 26:17 All I did was I took that email 26:18 and forward it directly to the fraud alert department 26:21 at the bank that I do business at. 26:25 And they took care of it. 26:26 They pretty much shut 26:27 some of that down relatively quickly. 26:29 So know that, that is also a possibility. 26:32 Use firewalls, use anti-spyware information 26:37 and anti virus software 26:39 so you can help protect your home computer, 26:42 because it is a target. 26:44 Don't use obvious passwords. 26:46 I just got an email from another resource. 26:49 And it said, "Do you know 26:50 what one of the most common passwords are?" 26:54 "Password one," 26:55 how is easy is that for someone to hack in 26:57 and find out what you're doing. 26:59 Make a unique password 27:01 and keep it as private as possible. 27:03 And then, of course, if you find out 27:05 that you may be a victim of fraud, 27:06 there are three things you can do. 27:08 Number one, contact your banks and your creditors. 27:12 Make sure you let them know 27:14 about any unauthorized access to your identity. 27:17 File a police report, call them up. 27:21 Now it's relevant because 27:23 now all police department have the fraud departments. 27:26 And they will assist you with no problems. 27:30 And then contact each one of your credit bureaus 27:33 to ensure that they know what's going on 27:37 and that you can pretty much take care 27:39 of any negative information that's on your credit report. 27:42 So we've talked about this one major issue that causes... 27:45 these two issues, 27:47 about student loans and about identity theft. 27:50 These are relevant issues. 27:51 These are things that you need to be aware of, 27:54 so that you can save money better 27:56 and take it all to the bank and save. 27:59 God bless you. |
Revised 2017-05-25