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Consumer Decision Files

For The Home

For Education and College

For Consumer Financing

For Money Management

Debt Management

Credit Management

Budget Management

Lowering Your Bills

Career Management

For Discount Shopping

For Travel and Vacation

For Achieving Success

Credit Management Papers

FREE credit management downloads without user registration - simply click and take

Credit Management Map

A quick 1-Page map that summarizes your credit - debt - budgeting issues:

  • reducing your debts
  • improving and maintaining good credit
  • building a family budget

It guides you through the credit-debt-budget process with reference links to our credit center for more information.

The map references our site at:

File Type: pdf


Credit - Debt Map for Good Credit

Credit Scoring

The FICO score is a mathematical calculation the measures your probability to repay a loan. Measurements are base upon a number of factors that include:

  • your current outstanding debt
  • places and the number of times you have applied for credit
  • the kind of credit you have taken out in the past
  • late payments in 30, 60, and 90 day increments
  • over extension of your credit lines
  • liens / garnishments
  • bankruptcy

This form is a quick 1-Page summary of FICO score ranges and how it rates with your ability to be approved for best rate and terms.

The scoring page references our site at:

File Type: pdf


Credit Scoring

Credit Booklet

Need something more comprehensive about credit management? You can download our credit management booklet. It contains a summary of the following:

  • credit management guide
  • debt management guide
  • budget management guide
  • checking your credit report
  • avoiding ID theft
  • lowering your monthly bills

The booklet references our site at:

File Type: pdf


Credit Checkup