Consumer Credit Counseling Service of Greater Atlanta Tips: Proper Planning Can Reduce Post-Holiday Spending Blues

ATLANTA GA, November 7, 2007 — The average consumer plans to spend $923.36 this holiday season, according to the National Retail Federation (NRF). Challenging economic conditions and a bleak housing market will cause many consumers to be more conservative with their holiday spending, but many others will find themselves struggling to pay holiday debt well into spring and beyond.

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Lounging with a good book is a great, relaxing summer activity that many people enjoy. Consumer Credit Counseling Service (CCCS) of Atlanta suggests that consumers add a financial education book to their summer reading list. A new Book Referrals section in the Money$marts Center of the CCCS Web site lists some excellent choices.

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Your credit report is a record of your past and current credit obligations including your debts and payment history. It includes records of bankruptcies, foreclosures, liens, judgments, delinquencies and charge-offs. In general, account information, including late payments and other adverse information, is kept o­n your credit reports for no longer than seven years.

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