MEMPHIS CONSUMER CREDIT EDUCATION ASSN

MEMPHIS CONSUMER CREDIT EDUCATION ASSN MEMPHIS CONSUMER CREDIT EDUCATION ASSOCIATION PROVIDES EDUCATIONAL PROGRAMS ABOUT THE PRUDENT USE OF CONSUMER CREDIT, PERSONAL BUDGETING, PERSONAL DEBT MANAGEMENT, AND ISSUES CONCERNING PERSONAL BANKRUPTCY. PROGRAMS FOR ADULTS FOCUS ON (A) TEACHING INDIVIDUALS HOW TO DEVELOP AND MAINTAIN CREDITWORTHINESS AND AVOID PERSONAL FINANCIAL PROBLEMS, (B) INFORMING THOSE WITH IMPAIRED CREDIT ABOUT BASIC BUDGETING, MONEY MANAGEMENT SKILLS AND PRACTICES TO REDUCE DEBT, (C) INSTRUCTING INDIVIDUALS ABOUT THE APPROPRIATE USE OF CONSUMER CREDIT, (D) EXPLAINING HOW QUALIFICATION FOR A HOME MORTGAGE IS DETERMINED, AND (E) WARNING ABOUT THE DANGERS OF IDENTITY THEFT AND FRAUD AND DESCRIBING VARIOUS MEANS OF CONSUMER PROTECTION AVAILABLE TO THE PUBLIC. PROGRAMS FOR STUDENTS FOCUS ON (A) THE IMPORTANCE OF CREATING AND PRESERVING A GOOD CREDIT HISTORY, (B) MAKING INFORM DECISIONS ABOUT THE USE OF MONEY, AND (C) DEVELOPING MONEY MANAGEMENT SKILLS TO AVOID FINANCIAL PROBLEMS DUE TO THE MISUE OF CREDIT.