Consumer Counseling Northwest offers the following classes:

Money Management

Learn the importance of setting goals, finding the balance between income and expenses, tracking expenses, establishing realistic spending plans and making wise spending choices. Learn to evaluate, analyze, and prioritize expenses; how to reduce monthly payments and effective strategies to use when dealing with creditors.

Credit

Learn all about the world of credit; basic credit terminology; the 4 C’s of credit; how to qualify for credit; ways to establish or reestablish credit; how to shop for credit cards; credit terms; effects of minimum payments; how credit works and how to calculate interest. Understand how your financial history is tracked by credit reporting agencies. Learn how to get your free Annual Credit Report as a result of FACTA. Learn how garnishment, repossession, bankruptcy and divorce can affect your credit.

Advanced Credit

Learn how credit bureaus and credit information reports affect consumers and businesses. Learn how to dispute information that may be incorrect on your credit report. Learn about credit scores. Discover their impact on your credit, borrowing power and ability to get the best rates. Learn how you can improve your score. Find out about credit fraud and identity theft and learn about your Federally-protected consumer rights.

Identity Theft and Privacy Rights

Learn about Identity Theft and its potentially devastating effects. See how you can be victimized by Identity thieves and what preventative measures are available? Learn what actions you can take if you are a victim of identity theft and what laws are in place to protect your rights and strategies for fighting back. Know the current law regarding privacy rights on consumer transactions.

Buying a Car

Learn how to become a Smart Shopper. You’ll learn the ins and outs of purchasing a car and the overall cost of owning a car. Learn how you can find out valuable information on the Internet that will put you in the “Driver’s Seat” when buying your next car. Understand how Washington State law affects your car purchase and the importance of budgeting for your car.

For more information contact the Development Associate at 253.588.1858 ext 107 or FehiT@ccnw.org.