The curriculum begins with the Anatomy of Credit\, breaking down the mechanics of borrowing and the differences betw een revolving and installment loans. From there\, students dive deep into the FICO Formula and credit reporting\, learning exactly how the "Big Thre e" bureaus evaluate financial reputations and how to effectively dispute i naccuracies. To move beyond theory\, the course provides a roadmap for Str ategic Debt Management\, teaching participants how to calculate their debt -to-income ratios and identify the warning signs of a financial "danger zo ne."
\nThe syllabus also covers the practical\, day-to-day use of fi nancial tools\, specifically focusing on the Responsible Use of Credit Car ds by explaining statement cycles and the mathematical pitfalls of minimum payments. Finally\, the program bridges the gap between management and gr owth through Future Planning\, highlighting essential banking resources\, the necessity of emergency funds\, and the steps required to prepare for m ajor life milestones like homeownership or entrepreneurship. This course e nsures that every attendee leaves with a clear understanding of how to mak e credit work for them rather than against them.
\nYour presenters:< /p>\n
Callihan Benson is the Financial Center Manager at Heartland Bank\ , a Division of German American Bank\, in Pickerington. She has 18 years o f experience in retail banking. She is the treasurer of the Tri-County Are a Realty Association\, and a member of the Pickerington Lion&rsquo\;s Club . Callihan loves building relationships and helping her customers save tim e and money. When she is not at work\, she is with her husband\, Chris\, o f 17 years and son\, Cooper\, who is 11.
\nSince 1995\, Brent Dieber t has assisted countless clients on their journeys to become homeowners. A s an integral part of the Heartland Bank Mortgage team\, \;Brent is co mmitted to guiding his clients with confidence through the loan process. W hile explaining the lending procedure\, products and terminology\, his goa l is to find the perfect loan for his clients&rsquo\; needs. \;Even th ough homeowners may think about purchasing or refinancing a home only a fe w times in their lives\, Brent thinks about it daily to be prepared with a dvice for the biggest financial transaction most individuals make. He is a board member of Leadership Worthington\, supporter of Worthington Robotic s\, and the past Co-chair of the Affordable Housing Committee at \;Col umbus REALTORS®\;. Brent is also a licensed continuing education provid er often focusing on home affordability topics with real estate agents thr oughout Ohio.
\nIf you need accommodations for a class or event\, co ntact communicatio ns@pickeringtonlibrary.org or call 614-837-4104 ext. 221. \;
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