Credit Education

The lure of credit cards can be appealing, but understanding what credit is and how it can affect your future are extremely important. 

Potential employers, insurance companies, landlords, utility companies, and financial institutions all use credit reports to determine if you are a “good risk.”
At CCCS, we examine and explain your credit report, and guide you through disputes, if necessary. By improving your creditworthiness, you can enjoy the many benefits that go along with a good credit score – lower borrowing costs, decreased insurance rates and better credit offers. FSC offers a variety of credit counseling options in addition to our workshops.  
Contact FSC to learn more.

Learn more about Credit Basics at myFICO Credit Education

Understanding Credit Workshop

This program gives students basic overviews of credit, which can help them make smart credit choices and achieve financial wellness in the future.

Topics include:
  • Understanding what credit is
  • How to establish credit
  • Understanding a credit report
  • Understanding credit scores and how they are used
  • Making smart credit choices
  • The importance of building good credit now
  • Advantages and disadvantages of credit card use

Class schedule

What is Credit and How Do I Get It Workshop

This program will give you a basic overview of credit and how to manage it.

Topics include:
  • Understanding what credit is
  • How to establish/re-establish credit
  • Understanding a credit report
  • Understanding credit scores and how to improve scores
  • Making smart credit choices
  • Credit bureaus and resources
  • How to correct errors on your credit report

Class schedule

Improve Your Credit Score Workshop

This program explains your individual credit score and the factors that both positively and adversely affect it.

Topics include:
  • Understanding your personal credit score
  • Ways to improve your credit score
  • Borrowing funds at better rates
  • Employment consideration
  • Renting or purchasing a home
  • Insurance policy approval

Class schedule

Strategies for Restoring Your Credit

This program focuses on ways to help you re-establish credit.

Topics include:
  • Review of credit repair companies
  • Luring consumers with deceptive advertising
  • Identifying credit scams
  • Credit bureau overview
  • Understanding your credit score
  • Strategies for repairing your credit
  • Ways to avoid identity theft

Class schedule

2712 Middleburg Drive | Suite 207-A | Columbia, SC 29204 | 1-800-922-5651 | 803-733-5450

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