Have you ever had to write a test on a subject you never have had an opportunity to study for? Well, welcome to the Canadian Credit system! The information on wise use of credit is out there, but how do you find it? Once you do find it, how do you know you are getting it from a reliable source?

Our Credit Education Course is full of modules meant to unmask the credit industry. We will teach you the "rules of the game" so that you can be prepared to play. Learn to use the credit tools available to your advantage. Get a kick-start on what has taken some people years of struggle to learn the hard way!

NOTE: This course has been approved by the Canadian Financial Planning Standards Council (FPSC) and Canadian Association of Accredited Mortgage Professionals (CAAMP) for 4 Continuing Education credits.

Who Should Take This Course

Most Canadians can learn much from this course. However, the Credit Education Course will be particularly beneficial for those who are:

1. Trying to establish their credit 
2. Struggling to rebuild their credit
3. New to Canada and want to get a credit card or a loan
4. Wanting to understand how the credit system works in Canada.

What Will I Learn

By taking this course, you will be able to answer the following questions:

1. What is credit?
2. How to access credit?
3. How is credit interest calculated?
4. What is good debt vs bad debt?
5. What are the differences between my wants and needs?
6. How to make debt tax deductible?
7. What are the different types of credit - credit cards, lines of credit, loans and mortgages?
8. What is the lender looking for – the four Cs of credit?
9. What is a credit report?
10. What are Beacon / Fico scores and what do they mean?
11. What affects my credit scores?
12. How to correct wrong information on my credit report?
13. What are the warning signs of credit trouble?
14. How to rebuild your credit standing?
15. How long does it take to rebuild your credit?
16. How to deal with collection companies?
17. How to prevent credit fraud?
18. What to do to maintain positive credit?
19. How to budget and track your expenses?
20. How to set and achieve financial goals?

What people have said

"I have gone through the online module that you have sent me on Credit Literacy. I have found that the information presented has been very helpful and an excellent learning tool with regards to debt, credit and budgeting. I look forward to getting my financial status back on track and feel good about enrolling in the program you guys offer."

"The service that Randy provides for people is incredibly professional, a needed service in this economy. He makes you feel like you are doing the right thing. I have referred several people to Randy and they have been really happy with the service that they have received."

"I am really grateful that one of my friends referred me to Randy as he had a successful history of helping people to get them out of their difficult financial situations and re-build their lives again. I was impressed by the expertise and the level of knowledge provided by Randy as well as his sincerity and willingness to help. I would like to thank you for the smooth and accommodating process. Thank you very much!"

"Honestly, 2 to 3 years ago, we were in what could only be described as a financial black hole with no end in sight! We were in over $80,000 in debt and climbing. After having my wife talk to someone who had seen you for a similar situation, we decided to come and see you.

It was the best decision my wife and I ever made! You helped us see that there was a light at the end of this tunnel. You helped us every step of the way. Even at times when we were worried or unsure what the future would hold, you explained everything and gave us constant reassurance and support. You and your team are amazing. After starting our journey with you only 2 years ago, we are on our way back to financial success and security. It as not been an easy or quick process by any means. However, without your help Randy, we would be in financial ruins. Words cannot express how much you have helped myself and my family. Thank you."

"I learned about Parley Consulting about a year ago but was hesitant to pursue any additional information due to my pride. It was not until I started speaking of it to close friends did I realize I was not the only one in a financial predicament. In my discussions I discovered a couple we knew well had used the services provided by Parly. Still hesitant they convinced me to make an appointment. I am sure glad they did. It did not take long to become comfortable with Randal. After a few meetings we put a game plan together to dig our family out of debt. In dong so we immediately saved over $40,000 (before interest calculations). We are now back on track financially and can see the light at the end of the tunnel. Thank you Randal for all your efforts. You have truly made a difference for our family."