Credit When Credit is Due
Course Description

The Credit When Credit is Due (CWCID) course was designed to give consumers the information they need to understand how credit and debt work and to develop responsible money management strategies.  Individuals that successfully complete the CWCID program are better equipped to handle their finances.

The primary tool in the program is a twelve-lesson workbook which is also available in Spanish.  The Table of Contents is listed below.

Lesson One:  THE FACTS OF LIFE – What you need to know to get along as a financially responsible adult

Lesson Two:  LIVING ON THE EDGE – How to budget and save your money and plug your spending leaks

Lesson Three:  TO BORROW OR NOT TO BORROW – How to decide if you should pay cash or borrow the money you need

Lesson Four:  SO YOU HAVE DECIDED TO BORROW SOME MONEY – How to get through the credit granting process once you have made the decision to borrow

Lesson Five:  THE TERMS OF THE DEAL – How to determine if you are getting the deal you have bargained for

Lesson Six:  AUTO LOANS AND LEASES – One of the toughest deals to negotiate

Lesson Seven:  HOME SWEET HOME – The largest debt you are likely to ever have

Lesson Eight:  CREDIT CARDS AND OTHER LOANS – What you need to know about credit cards, personal signature loans, etc

Lesson Nine:  YOU’VE GOT TROUBLE WHEN – How to tell when you may have a problem

Lesson Ten:  WHEN YOU FALL BEHIND – Dealing with delinquency and bill collectors

Lesson Eleven:  BANKRUPTCY – The ultimate credit overload

Lesson Twelve:  BUILDING AND REBUILDING YOUR CREDIT – How to establish good credit when you have no credit history or even a bad credit past

CWCID may be taught by a facilitator or a person may opt to self study the program.  Tests follow each lesson and are evaluated on a pass/fail basis.  When students successfully complete the program, they will be registered in a national database and sent a registration card identifying them as a graduate of this national standardized credit education program.  Additionally, they will receive three cards addressed to the three major credit reporting agencies that will allow them to add a positive statement to their credit report.  Graduates will also have access to a growing list of financial advisors, lenders, mortgage companies and others that provide discounts on the pricing of their services. 

If you are interested in signing up for this class please contact us by calling 1-800-888-1596, or click the link to our contacts page. Thank you.