Credit When Credit Is Due

As financial systems and options become increasingly more complex, the need for financial education is greater now than ever. The freedom to make good financial choices with the safety net of accurate information is priceless. We can help you provide that information with our nationally recognized, standardized financial education program, Credit When Credit Is Due.
The Credit When Credit Is Due program can be used for:

• Client education
• Community education
• Employee Assistance Programs
• Welfare-to-Work Programs
• IDA Programs
• Correctional systems
• College education
• High school education
• Continuing education for staff*

* Credit When Credit is Due is accepted for Continuing Education Units by:  Association for Financial Planning and Counseling Education, Certified Financial Planners, Registered Financial Consultants, American College for Insurance Professionals for Chartered Life Underwriter, Chartered Financial Consultant and Life Underwriting Training Council Fellow.  For more information on obtaining CEUs for any of these, please email ACCE at acce@acce-online.com and put CEUs on the subject line. 

what it is
Students can complete the program by obtaining a twelve-lesson workbook, Credit When Credit Is Due, which is also available in Spanish: Credito Al Merito. Or students can complete the entire program online, an option which gives them the opportunity to work when it fits their schedule and at their own pace. 

Credit When Credit Is Due can be taught by a facilitator or teacher, or can be self-taught by either online education or a text self-study. Chapter reviews 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, stating that they have successfully completed the Credit When Credit Is Due program.

support for your classroom
Credit When Credit Is Due has a long list of support material offered free of charge:

• Instructor’s guide
• Instructor’s goals and objectives
• Grading templates and online “test only” options
• Evaluation Form for classroom students
• PowerPoint presentation for classroom students
• Online software that provides tracking for all classroom students

online benefits
Hundreds of thousands of Credit When Credit is Due books have been distributed to students nationwide over the last several years. With online delivery there are additional cost savings for your agency. The Credit When Credit is Due student payment and registration can be automated through a link on your website. Your virtual classroom is available around the clock making it possible for your agency to educate more students with a limited staff. Your student data, course activity, and results are captured for you in a secure system and made available to you in a myriad of ways. Details about demographics, time spent, pre- and post-test scores, evaluations, comments, and more are tracked effortlessly for you. Printable reports can be customized to fit your needs through various search functions and versatile Excel spreadsheets.

The reports feature these items, along with much more:

• Demographics
• Student referral source
• Students currently using the system, with information on their progress
• Students who have completed the program, along with their unique certificate number
• Pre- and post-test scores
• Evaluation data and comments
• Fee information

The online program serves you in multiple ways. You can use it to simplify the tracking, scoring, and reporting of your classroom and self-study students. This means all of your students can appear on the same report, or you can focus on specific segments. The online program can also serve as a “testing only” device for students who prefer reading a book, which saves your staff valuable time. All students registered in the Credit When Credit is Due tracking system are transferred to the national data base automatically when they complete the program. This is just another item on a long list of ways the new Credit When Credit is Due online can save you time and money.
You are free to choose and establish your own automated registration and payment platform. We have also established an automated registration platform with a major electronic payment processor, and there will be more payment options to follow. Vanco Services can provide your agency with a customized payment platform for your Credit When Credit Is Due students to use. The payment page transfers paid students directly into the Credit When Credit Is Due system, allowing them to pay and complete the program entirely unassisted.

proven results
This program has measurable results, and underwent an evaluation that showed a statistically positive and significant change in the student’s credit rating. The evaluations can be found at www.cwcid.com. The Institute for Educational Leadership & Evaluation has conducted three statistical studies that substantiate measurable results for the Credit When Credit Is Due program. These results show increases in:

• Graduate’s credit scores
• Graduate’s incidence of paying bills on time
• Graduate’s budgeting skills
• Graduate’s ability to discuss money issues
• Graduate’s understanding of appropriate debt levels
• Graduate’s understanding of why it’s important to save money
• Graduate’s understanding of why it’s important to evaluate credit offers
• Graduate’s understanding of personal finance terms

Credit When Credit Is Due has been endorsed by the Consumer Federation of America, reviewed and accepted by the National Endowment for Financial Education, the JumpStart Coalition, and Neighborhood Reinvestment.

Credit When Credit Is Due is a versatile, well designed, and affordable financial education program. We have a full-time support staff to handle your questions and to provide help with your students’ technical questions. ACCE is a 501©3 non-profit organization.

For more information on how your agency can become a Credit When Credit Is Due partner, please contact us at 888.830.3104 or acce@acce-online.com.