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What is the CWCID program? The primary tool in the program is a 12-lesson text, Credit When Credit Is Due, which is available in Spanish, Crédito al Mérito, audio, video and now is also offered online. The course is designed to help individuals gain a better knowledge of money issues and responsibilities revolving around the world of credit. It may be taught by a facilitator/teacher or self-studied. Tests follow each lesson and are graded pass/fail. When students complete the course successfully, they will be registered in a national database and sent a registration card identifying them to lenders as graduates of a national standardized credit education program. This could entitle them to special consideration and discounts, depending on the lenders’ discretion. They will also receive three cards addressed to the three major credit bureaus allowing them to add a positive statement to their credit reports. The concept of the program is similar to the well-known driver’s education course. When people take driver’s education and learn the rules of the road and necessary driving skills, they are considered to be better drivers. Auto insurance companies recognize them as better driving risks and grant discounts on insurance premiums to those who satisfactorily complete the course. The same theory applies to consumers who are borrowing money or asking for credit. Individuals who successfully complete the Credit When Credit Is Due program should be better able to steer their financial course in the future. Who developed the Credit When Credit is Due program and why? Well-known for their award-winning and innovative education programs, Consumer Credit Counseling Service of the Black Hills (CCCS/BH) developed the Credit When Credit Is Due program in 1998 to help individuals gain a better knowledge of money issues and responsibilities revolving around the world of credit. Committed to a national standardized credit education program, CCCS/BH established the American Center for Credit Education (ACCE) to assist partner organizations in implementing and marketing the Credit When Credit Is Due program in their communities. The American Center for Credit Education also works on a grassroots level with lending institutions, legislators, consumer groups and legal organizations throughout the United States to encourage, influence, support and educate consumers about their financial responsibilities. They also are working with other agencies in monitoring the success of the program in order to provide measurable results. The American Center for Credit Education mission is to make available to all consumers, through various community resources, national standardized credit and financial education. Why should you take this course? In 1999, the National Foundation for Consumer Credit presented Consumer Credit Counseling Service of the Black Hills with their 1999 PACE Award "Search for Excellence" and chose Credit When Credit Is Due as the best example of "innovation and excellence in a money management education program." 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 Insurance companies offering incentives for completing the program The following institution offers homeowner's insurance: American Family Insurance Banks & credit unions offering incentives for completing the program The following institutions offer various incentives including: from 1/8% to 1% off on loan rates scholarships reimbursement off all or part of the cost of books discounts on loan closing costs waive membership fees no-fee checking waive credit report fee for mortgage loan applicants For more information please contact the bank or credit union. Kern Schools Federal Credit Union, Bakersfield, CA American River HealthPro Credit Union, Sacramento, CA Florida Central Credit Union, Tampa, FL Tampa Bay Federal Credit Union, Tampa, FL US Bank and Well Fargo Bank, Waterloo, IA Evergreen Bank of New York Banknorth of Vermont Banknorth of Massachusetts People's Heritage Bank of Maine Banknorth of Connecticut Bank of New Hampshire Heritage Bank, Great Falls, MT American State Bank, Rapid City, SD Army Guard Federal Credit Union, Rapid City, SD Rushmore Electric Federal Credit Union, Rapid City, SD Black Hills Federal Credit Union, Rapid City, SD Dacotah Bank, Rapid City, SD First National Bank, Rapid City, SD First Western Federal Savings Bank, Rapid City, SD Highmark Federal Credit Union, Rapid City, SD Pioneer Bank & Trust, Rapid City, SD Rapid City Medical Federal Credit Union, Rapid City, SD Rushmore Bank & Trust, Rapid City, SD Sentinel Federal Credit Union, Rapid city, SD Telco Federal Credit Union, Rapid City, SD Dakota Star Federal Credit Union, Rapid City, SD US Bank, Rapid City and Pierre, SD Wells Fargo, Rapid City, Black Hawk, Ellsworth and Pierre, SD West Virginia Central Credit Union, Parkersburg, WV Mortgage companies offering incentives for completing the program The following institutions offer various incentives including: waiving credit report fees .25% discount on loan origination fees discounts of up to $1000 off loan fees no-cost appraisals upon loan closing cash rebate of $500 once loan has closed Please contact the specific mortgage company or CCCS agency to see what the individual companies offer as incentives. Provision Mortgage Corporation Security Mortgage, Rapid City, SD First Source Mortgage and Real Estate
Utility companies offering incentives for completing the program The following institutions will waive deposits: Avista Utilities, Spokane, WA Black Hills Power & Light - Rapid City, SD Black Hills Electric Cooperative - Rapid City, SD West River Electric Association - Rapid City, SD Butte Electric Cooperative, Newell, SD What people are saying about the program "Consumers can significantly improve their ability to manage financial matters if they attend and complete the Credit When Credit Is Due credit education program. The statistics are absolutely clear. This is especially good news since effective, comprehensive, and measurable results from Consumer Credit Counseling education programs make creditors cooperative partners and enthusiastic supporters of their endeavors. Consumer Credit Counseling Service of the Black Hills definitely understands its mission and has demonstrated performance to prove it." — Bob Runke, Sr. VP, TransUnion, Chicago, Illinois "Credit When Credit Is Due is a very comprehensive financial planning tool for the consumer. American Family Insurance recognizes the solid relationship between serious credit problems and insurance claim activities and has partnered with us to present Credit When Credit Is Due to their customers. In my opinion, the CCCS of Central Illinois client and the American Family customer are better prepared to handle their finances after completing this educational program." — Terry Flynn, CEO, CCCS of Central Illinois "Thank you for your efforts to make Credit When Credit Is Due available to consumers. I found this course to be a "one size fits all" basic finance course that has the potential to save our family thousands of dollars over the next few years. Credit When Credit Is Due< is user friendly and motivational. My husband and I did our homework and applied the knowledge we gained right away. We saw our savings account balance rise and our debt drop dramatically. I recommend it to anyone who will ever finance a car, a home, use a credit card or knows someone who will." — Teresa, CWCID Graduate "This book will be a great asset to loan officers and borrowers alike. Education is the key to good money management and taking the mystery out of the loan process. Knowledge is empowering and this book will lay out the plan for achieving financial independence rather than dependence." — Barbara K. Garcia, Loan Officer "My experience has been that people who have financial problems and who do not seek education on how to appropriately use credit in the future, often have the same problems again. It is my hope that this book will give people the opportunity and knowledge to both cure past problems and avoid future ones. This book is excellent." — Dennis C. Whetzal, Attorney, Chapter 7 Bankruptcy Trustee "Credit When Credit Is Due provides the foundation for future stability, especially for people with little or no credit. It helps them become fully participating, responsible users of the available credit tools." — Edumundo Hidalgo, COO, Chicanos Por La Causa "Great! Great! Great! Great! Should be mandatory reading for all." — Samuel D. Kerr, Sr., Program Manager, Personal Finance, United States Air Force "I wish there had been a book like this five years ago. It would have saved me from some mistakes I have made." — Jennifer Isley Educator "Programs such as Credit When Credit Is Due are a vital link between the Hispanic community and the financial community. Through Credit When Credit Is Due, Hispanics are learning to use the available credit tools, while becoming more aware of potential credit misuse." — Fidelis Garcis, Former Presiding Judge "This book deals with a subject every person needs to be knowledgeable about and accountable for. I am so thankful that someone finally took the time to write a book offering help and insight to 'real life' budgeting and overcoming financial obstacles." — Angie Einerwold, Past Debt Management Graduate, Mortgage Loan Officer "This is a great product. We now finally have a way we can teach our clients truly how to better manage their finances. Credit When Credit Is Due is a comprehensive, flexible and effective program that not only provides measurable outcomes for our agency, but also gives our clients an additional tool that will result in the successful resolution of their financial concerns." — Jane McNamara, CEO, Credit Counseling Centers, Michigan "As a board member of the Consumer Credit Counseling Services of Greater San Antonio, I find that the Credit When Credit Is Due program surpasses anything that is currently on the streets. With financial literacy being a top priority for many financial institutions, Credit When Credit Is Due covers all of the aspects that will provide banks with educated and financially responsible consumers. It is a comprehensive program that has a flexible delivery system; therefore, more clients can be served. Knowing that a prospective borrower has completed this course can only reflect positively on the borrower." — Sophie Guerra, Assistant Vice President, Community Development "This is a book written about credit in a real world manner. Anyone with questions about credit should read this book." — Randy L. Silver, Vice President/Bank Recipient of the 1999 National NFCC Pace Award for education Recognized by the Federal Reserve Bank of Minneapolis under the Community Reinvestment Act Approved JumpStart and NEFE Curriculum Graduates in 48 states - over 22,585 to date Implemented by over 75 organizations in 400 towns and cities 150,000 CWCID books currently in print
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