Ficep stuvia 2024 Study guides, Class notes & Summaries

________________ _____________ occurs when a criminal obtains personal information to use without permission. - ANSWERIdentity theft Primary sources of data for identity thieves include ___________ ________________ cards, driver's license, tax returns and medical insurance cards. - ANSWERSocial Security Opting out of __________________________ credit card offers will help stop identity theft. - ANSWERPre-screened Lack of a lock icon, misspelled words, altered logos and requests for per...

What are referral clues? - ANSWERDepression, anxiety, marital stress, secretive behavior, sudden change, severe unexplainable financial difficulties How do you make successful referrals? - ANSWER1. Recognize need to maintain dignity 2. Confidentiality 3. Be accurate 4. Set expectations especially with public programs 5. Follow up What situations call for immediate assistance? - ANSWER1. Food, shelter, or medical care 2. Professional help (ex. psych needs) 3. Severe financial crisis What...

TRUE or FALSE: Receiving a medical bill affects your credit score - ANSWERFalse TRUE or FALSE: Divorce has a direct impact on credit score - ANSWERFalse Student loan refinancing makes sense when the member has: - ANSWER1. High interest rates on existing loans 2. Steady income 3. Above-average credit score Members need to communicate ______ to creditors - ANSWERCalmly What is the first step to help facilitate productive money conversations with couples/families? - ANSWERIndividually...