"In his heart a man plans his course, but the Lord determines his steps."

Proverbs 16:9

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Nine Simple Steps

Nine Simple Steps

Phil's 9 Simple Steps will help you get a grasp on your financial situation by presenting the core topics in a simplified easy-to-understand way.

PowerPoint version
(17 animated slides)
9 Simple Steps Power Point

PDF version
(17 static slides)
9 Simple Steps PDF

Debt Management

Credit Reports

Effective September 1, 2005 you can get FREE credit reports throughout the year per the 2005 LAW by doing the following:

AnnualCreditReport.com
Just be careful not to BUY any advertised specials - IT IS FREE
Order this one first: Equifax.com (but use AnnualCreditReport link above, not this one)
4 Months later order this one: Experian.com (but use AnnualCreditReport link above, not this one)
4 Months later order this one: TransUnion.com (but use AnnualCreditReport link above, not this one)
Then, four months later start the cycle over again and you will be able to keep up-to-date on your credit report for identity theft protection at no additional cost. Always use www.AnnualCreditReport.com to avoid promotions that may cost extra.

For Your Score MyFICO.com (or through sites above) but don't spend more than $15.95 for your basic score.

Opt out of Unsolicited Offers

OptOutPrescreen.com 1-888-567-8688

Credit/Bankruptcy Avoidance Non-profit agencies

National Foundation for Credit Counseling

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