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 .

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.

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