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Credit When Credit is Due
(CWCID) program
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 The concept of the Credit
When Credit is Due (CWCID) program is similar to the familiar
driver’s education course. When people successfully complete
driver’s education, auto insurance companies recognize them as better
driving risks and accordingly grant discounts on insurance premiums.
The same theory applies to consumers who are borrowing money or
applying for credit. Individuals who successfully complete the CWCID
program are better equipped to handle their finances.
The primary tool in the program is a twelve-lesson workbook, Credit When Credit is Due,
which is available in Spanish CRÉDITO AL MÉRITO, in audio, video, and online. The course is designed to give consumers the information they
need to understand how credit and debt work and to develop responsible
money management strategies.
CWCID may be
taught by a facilitator/teacher or a student 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.
Why
should you take this course?
The American Center for Credit Education
encourages you to take this 12-lesson course if you are:
- Applying for a loan
- Asking for a credit
card account
- Wanting a discount on
a loan from a participating lender
- Trying to establish
credit for the first time
- Experiencing a
life-style change such as getting married, having a baby, getting
a divorce, or thinking of retirement
- Presently enrolled in
a debt management program
- Thinking of declaring
bankruptcy
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Purchase the Credit When Credit Is Due Coursebook Now
($50 plus $10 S&H using PayPal Secure Payment)
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For More Information on
how to enroll in the Credit When Credit is Due Program call us at:
800-501-7526
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