Freddie Mac's CreditSmart Corriculum is a complementary curriculum to help consumers understand, build and maintain better credit.

Over the past few years, you've probably heard many horror stories about people who have been taken advantage of by various credit traps. You receive these offers every day – offers of credit, vacation sweepstakes, equity loans, telephone solicitations and Internet junk mail.

It's important to recognize and avoid credit pitfalls and traps that can severely damage your credit and in some cases, may cause extreme financial hardship.

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