@MsKiwi wrote:
I am a waitress and get to talk to a lot of people. I had a customer who I talked about FICO and scores and all the boring things. He is recommending that I do a seminar on this subject How cool is that? He said that even the bank clerks don't understand (hmm hmm, we know that)
Should I do this? I told him that everything you need to know is right here. I told him that I do not want to get paid for what is free here on the net.
Would you do this?
There are many, many, many people who prefer a "live person" or personal touch for obtaining information. So, it is very possible that you could gain a certain number of clients or students.
However, you do need to take defensive measures to protect against potential liability in this litigious society of ours. Unfortunately, somebody can take wht you say and apply it, or take what you say and change it up or apply it incorrectly and then blame you for the outcome.
You do not want to be accused of "practicing law" or acting as a financial planner or adviser which potentially requires licensing and/or which bring inherent liabilities with the territory.
My cautions here are not to deter, but to advise ample prior planning. Each state has its own reguations on these subjects, which possibly fall under the "credit repair" agent/company laws. There is also the issues of adivising the actions of disputes or other "corrective" measures that your "students" may not ethically apply, but later say you told them to do so.
But good luck and let us know what you decide and what comes of it!
