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At CFE our promise is to always be there with each step along the individual financial paths of our members.  We want to be more than a safe place to save and borrow money; we want to be a trusted advocate that assists members in achieving their financial dreams. Therefore, we developed this Financial Education Center, which includes tools and resources to help you budget, save, and borrow responsibly, so you can enrich your financial wellbeing.
 
   
  Borrowing
   
  Debt in Focus
  Test drive Debt in Focus, a web-based tool designed to deliver a personal action plan to help improve your credit profile and reduce debt.  This is a FREE and anonymous service. After answering a few questions about your income and current debts, a simple financial analysis will provide a wealth of information – debt to income ratios, debt payment schedules, and suggested personal action strategies to help keep your finances moving forward. Click to get started now.
   
  Understanding your credit score
  - What is a Credit Score
   
  Request free copies of your credit report
 

Get your FICO® credit score, the score lenders use most to qualify you for credit.  Your credit score often determines the credit you receive - both the amount of the loan you qualify for and the rate you receive. So if you are preparing to secure credit or a loan, level the playing field with your lender.
   
    AnnualCreditReport.com is the official site to help consumers obtain their free credit report. This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
   
   

- Equifax™
- TransUnion™
- Experian™

 800-685-1111
800-916-8800
888-397-3742
   
   
  Auto Buying
  - Teen Auto Buying Presentation
  - 10 Mistakes that Car Buyers Often Make
  - NADAGuides.com
  - Carfax.com
   
   
  Savings
  - Budget Basics
  - Budget worksheets (requires Microsoft Excel®)
   
   
  Saving for College
  Education Savings. What you need to know.
   
  Below are some helpful links to sites that can assist you with your college savings plan:
   
  - National Association of Student Financial Aid Administrators: This web site provides you with concrete information and advice about finding and applying for financial aid.
  - Finaid: A comprehensive source of student financial aid information, advice and tools.
  - Fastweb: Source for finding college scholarships
   
  - College Savings Foundation: A not-for-profit organization helping American families achieve their education savings goals.
    - plan and save
    - why save for college
  - Collegesavings
   
  Savings for Retirement
  - Changing Jobs? Retiring ? Make Smart Decisions with your retirement plan.
  - The Facts of Life Insurance
  - Your Get Ready to Retire Checklist
  - Retirement Savings Strategies to Last Your Lifetime
   
  ChexSystems
 

You can order your personal ChexSystems report at www.chexhelp.com. You are entitled to a free report once a year. Each negative incident stays on your record with ChexSystems for five years from the date the incident was reported.

   
   
  Financial Fitness
   
  Identity Theft
  -Identity Theft Presentation
   
   
  Resource Links
   
  Mymoney.gov - The Federal Government's website dedicated to helping Americans understand more about their money - how to save it, invest it, and manage it to meet their personal goals.
   
  Consumer Credit Counseling Service - Whether you are facing an immediate crisis or just want to learn how to improve your financial health, CCCS can help! Founded in 1964, CCCS is a nonprofit agency, is available 24 hours a day, seven days a week.  Their counselors and educators offer non-judgmental advice, practical action plans and hope for a better future. For additional information, please contact a CCCS representative by calling (407) 895-8886 or by visiting www.cccscfl.org.
   
   
 

Calculators
CFE offers a large number of online calculators to help you with a variety financial topics such as: “Should I refinance”, “How much car can I afford”, “How long will it take to pay off my loan”, “How much should I save each month”, “How much do I need to fund my retirement”, and many more financial calculators for topics related to:
 
  • Home Financing
  • Personal Financing
  • Investment
  • Retirement
  • Lease
  Click here to access CFE's calculators
   
   
  *Webinar handouts are provided by Consumer Credit Counseling Service.™ The fact that CFE distributes these handouts does not constitute a product or program endorsement by CFE or any of its affiliates. CFE does not create these handouts and therefore has no responsibility for any of their content. Be aware that privacy and security policies may differ from these practiced by CFE.
 
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