Consumer Credit of Des Moines has acquired accounts from Christian Credit Counseling. This was completed in October 2008. We welcome all Christian Credit Counseling clients to the full services of Consumer Credit of Des Moines.
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Education Library

Mr. G draws from a background of over 30 years experience as a counselor, speaker, and writer. He is founder and author of SmartStartz, an educational series of booklets for teens through adults, serves on the Board of Directors for the Iowa Jumpstart Coalition, is a nationally certified credit counselor and parent trainer, and has authored seven books on finances and family counseling.
Email Mr. G with questions or comments at askmrg@yahoo.com
Attitudes
Top 10 List of Credit Don'ts
Ten Perspectives That Will Sink Your Financial Ship
Four Attitudes That Lead To Financial Ruin
Common Attitudes Toward Credit Cards
Common Attitude Toward Savings
Savings: Overcoming the Obstacles
Automobiles
Affordable Payments?
New Or Used?
Payments - For How Long?
Leasing Vs. Buying
Buying or Leasing (2)
Reposession - What Is It?
Tips For Buying A Used Car
Getting The Best Loan
Car Title L:oans
Bankruptcy
Chapter 7 Vs. Chapter 13
House and Cars
Reaffirmation Agreement
Bankruptcy and Credit Counseling Agencies
2005 Bankruptcy Reform Act
Budgeting
A SIMPLE Budget, Please
How To Tell What Is "Spendable" Income
Budgeting With Fluctuating Income
Tracking Expenses Is Not Budgeting
Why Is It Always Feast Or Famine?
Emergencies Savings - Nobody Does It. Why?
Emergencies Savings - Overcoming The Obstacles
The Rule of 72
Checks and Checking Accounts
Checking Account Terminology
How To Write A Check
How To Make A Deposit
Balancing Your Check Book
Christmas Spending
Top 10 Things To Remember For Christmas
The Ghost of Christmas Past
Things You Should Know About Holiday Gift Cards
Christmas Giving That Gives In Economic Hard Times
Consumer Protection
Top 10 Complaints - Federal Trade Commission
Rapid Tax-Refund Loans
National Do Not Call List
Online Shopping
Credit Insurance
Fair Debt Collections
Rent-To-Own
PayDay Loans
Zero-Percent Financing
Cell Phone Plans
Work-At-Home Schemes
Opting Out of Credit Card Offers
A safer credit-counseling world? The overall outlook improves for consumers.
Credit
Top 10 List of Credit Don'ts
Ten Perspectives That Will sink Your Financial Ship
What Exactly Is Credit?
Installment Vs. Revolving Credit
Bad Credit. So What?
The Five C's of Good Credit
Four Traps To Avoid
Credit Repair Clinics
Credit Rules Bookmark
Late Payments and Your Credit
Does Credit Counseling Lower Your Credit Score?
Does Credit Counseling Lower Your Credit Score? A Testimonial.
Credit Card News
50% Of College Students Have $5000 of Credit Card Debt
Transition Statistics
Diet or Debt?
Average Credit Card Debt
Give McDonald's Credit - Literally
TOP TEN REASONS WHY YOUR CREDIT CARD RATE WENT UP
How To Opt Out of Credit Card Offers
Senior Citizens and Growing Credit Card Debt
Credit Cards: Questions
Universal Default: What is it?
Age Requirements
Closing An Account With A Balance?
Finances Charges And Closed Accounts
Lower Interest Rates?
Late Fee - Can It Create An Over-limit Fee?
Interest Rates - How High?
Late Payments And Interest Rates
Rate Vs. Fixed Rate
Late Payments And Interest Rates on Other Cards
Transfering Balances
Lost or Stolen Cards
Who's The Biggest?
Who can put a charge on our credit card account?
Shopping Tips for Credit Cards
Late Payments and Your Credit
Credit Cards: Terminology
Universal Default: What is it?
APR Vs. Finance Charge
Cash Advances
Convenience Checks
Credit Card Vs. Debit Card
Credit Limit
Grace Period
Introductory Rate Vs. Fixed Rate
Late Fees
Over Limit Fees
Pre-Approved
Secured Cards
Smart Cards
Credit Counseling Agencies
A safer credit-counseling world? The overall outlook improves for consumers.
Important Qualifications
Same Effect As Bankruptcy?
Credit Counseling Agencies vs. Debt Settlement Companies
A Bad Rap from the Mortgage Industry?
Does Credit Counseling Lower Your Credit Score?
Does Credit Counseling Lower Your Credit Score? A Testimonial.
Credit Rebuilding
Rebuilding Credit
Credit Repair Clinics
Credit Repair Clinics
Credit Repair Clinics
Credit Reports
The What's and The Why's
How can I get copy of my credit report? What does it cost?
Free credit report? Yes, but be careful.
What Information Is On It?
Who Reports to Whom?
Bad Marks - How Long?
Inquiries
Why Do Mistakes Occur?
Mistakes - How To Get Them Corrected
Fraud
New SS#, New Credit Report?
The Credit Profile of An Average American
Credit Scores
The What And The Why
The How
Making It Better
One Late Payment and Your Credit Score
The Do's and Don'ts of Closing Old Accounts
Does Credit Counseling Lower Your Credit Score?
Does Credit Counseling Lower Your Credit Score? A Testimonial.
Raising Your Score As An Authorized User?
Creditors
Dealing With If Behind
What they can and cannot do.
Harrassment
Fair Debt Collections
Debt
Co-Signing: Is It Wise?
Charge Offs - All You Ever Wanted To Know
Judgments:What Are They And How Do They Work?
Judgment Proof
Who's Responsible After Spouse's Death?
Divorce and Debt
Settlement Agreements
Paying Debt With Home Equity Loans
Pay Off Credit Card Debt 5-25 Times Faster
Your Home: Asset or ATM Machine?
Debt Settlement Companies
Debt Consolidation Company vs. Debt Settlement Company
Shocking Facts: What Debt Settlement Companies Don't Tell You
Settlement Agreements - Can I Do Them Myself?
Federal Consumer Protection Laws
Equal Credit Opportunity Act
Fair Credit Billing Act
Fair Credit Reporting Act
Fair Debt Collection Practices Act
Truth In Lending Act
Soldiers and Sailors Relief Act
Financial Tips for Economic Hard Times
Get Control of Your Finances in 2010: It's As Easy As Pie!
Thanksgiving and Financial Health
Christmas Giving That Gives In Economic Hard Times
Identity Theft
How It Occurs
Protection Against
If A Victim
Identity Thieves Employ High-Tech Tactics
14 Tips to Avoid Identity Theft
Lay-offs, Downsizing, and Job Loss
Dealing With Lay-offs, Downsizing, and Unemployment
Letters
Dispute Credit File Errors
Cease and Desist Letter
Mortgages
Tax Benefits for Home Ownership
Reverse Mortgages
Home Equity Loans To Pay Off Debt?
Owning Vs. Renting
(PMI) Private Mortgage Insurance
Cancelation Within Three Days
Looking for the Best Mortgage
Getting The Best Loan
I hear bad comments from the mortgage industry about credit counseling. Why?
Your Home: Asset or ATM Machine?
Savings
Why Do So Few People Save?
Savings: Overcoming the Obstacles
Young Adult Corner - Money Smart Tips
Common Mistakes Young Adults Make with Money and How to Avoid Them
5 Ways to Cut Spending...and Still Get to Do and Buy Cool Things
Five Things You Should Know About Credit Cards
Five Things You Should Know About... Checks and Checking Accounts
50% Of College Students Have $5000 of Credit Card Debt
Simple, Everyday Things You Can Do to Save Money
A Savings Account: Overcoming the Obstacles
A Small Savings Account Can Get Big Over Time
Do You Really Need Those $125 Designer Sneakers?
High-Tech Banking, 24/7
Getting a Loan: A Responsibility to Be Taken Seriously
Ages and Stages of Money Management: A To-Do List
Another Good Use of Your Money: Helping the Less Fortunate
Tips For Buying A Used Car
Your Home: Asset or ATM Machine?
Financial Fraud and Theft - Protect Yourself
The Financial Aptitude Test - F.A.T.
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