ICFE eNEWS #09-02 - February 4th, 2009
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AFCPE Accepts 12 CEUs for Credit When Credit Is Due
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San Diego, CA -  San Diego, CA. (January 2009) - The Institute of Consumer Financial Education is proud to celebrate the achievement of over 70,000 consumers and professionals nationwide who have successfully completed the financial and credit education program, Credit When Credit is Due. Credit When Credit is Due is a twelve lesson program targeted towards first time credit seekers and those individuals who may have abused their credit and now find themselves facing credit counseling, or worse yet, bankruptcy.

Credit When Credit is Due is also recognized as a valuable training tool for credit, debt and other financial counselors and has been accepted for continuing education credits by a variety of national professional organizations. The AFCPE has recently accepted it for 12 CEUs.

Credit When Credit Is Due is a 12-lesson text, (also available in Spanish) written by Paul Strassels, one of America's premiere analysts on the subject of credit and debt, and the author of 14 books on personal finances.

The course is designed to help individuals gain a better knowledge of money issues and responsibilities revolving around the world of credit. The course is a self-study curriculum, with pass/fail tests following each lesson.

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 from participating utilities, mortgage companies 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 12 lessons included in the Credit When Credit Is Due course are:

  • Lesson One: The Facts Of Life - What you need to know to get along as a financially responsible adult.

  • Lesson Two: Living On The Edge  - How to budget and save your money, and plug your spending leaks.

  • Lesson Three: To Borrow Or Not To Borrow - How to decide if you should pay cash or borrow the money you need.

  • Lesson Four: So You Have Decided To Borrow Some Money - How to get through the credit-granting process once you decide to borrow.

  • Lesson Five: The Terms Of The Deal - How to determine if you are getting the deal you have bargained for.

  • Lesson Six: Auto Loans And Leases - One of the toughest deals to negotiate.

  • Lesson Seven: Home Sweet Home - The largest debt you are likely to ever have.

  • Lesson Eight: Credit Cards And Other Loans - What you need to know about credit cards, personal signature loans, etc.

  • Lesson Nine: You've Got Trouble When - How to tell you when you may have a problem.

  • Lesson Ten: When You Fall Behind - Dealing with delinquency and bill collectors.

  • Lesson Eleven: Bankruptcy - The ultimate credit overload

  • Lesson Twelve: Building And Rebuilding Your Credit - How to establish good credit when you have no credit history or even a bad credit past.

Nationwide, there are close to 400,000 CWCID courses in print. Those 70,000 plus graduates are entitled to a number of benefits as their reward for investing in such comprehensive credit education, because each graduate had to pass an examination at the end of each of the twelve lessons. Among the benefits are notifications prepared for the consumer to send to the three major credit reporting agencies of their recent accomplishment for inclusion in their credit files, a variety of discounts and reduced rates from mortgage companies, real estate brokers, offers of deposit waivers from participating telephone and utility companies and special opportunities for members of participating credit unions.

The cost of the 12-week self-study program and textbook is $50.00 + shipping and handling You can purchase the program by visiting Credit When Credit Is Due online.

About the ICFE:

The Institute of Consumer Financial Education (ICFE) was founded in 1982 by the late Loren Dunton (creator of the Certified Financial Planner (CFP) designation).  The ICFE is dedicated to helping consumers of all ages to improve their spending, increase savings and use credit more wisely. 
The ICFE is an award winning, nonprofit, consumer education organization that has helped millions of people through its education programs and Resources. It publishes the Do-It-Yourself Credit File correction Guide, which is updated annually. The ICFE has distributed over one million Credit/Debit Card Warning Labels and Credit/Debit Card Sleeves world wide.

The ICFE became an official partner with the Department of Defense/Financial Readiness Campaign in June of 2004.The ICFE was an active partner in the California Student Debt Resource Awareness Project (CASDRAP) which resulted in a new web site: (studentdebthelp.org).  CASDRAP disbanded in 2010, shortly after the web site project was completed.  In 2011 the ICFE assumed the single sponsorship of the (studentdebthelp.org) web site and is now responsible for its content and operation.

The ICFE is also an on-line help for consumers who spend too much.  ICFE's spending help was featured in PARADE Magazine in the Intelligence Report section. The money helps and tips are from the ICFE's Money Instruction Book, our course in personal finance.

Visit the ICFE's other web sites at: www.financial-education-icfe.org and studentdebthelp.org.  Both sites helps consumers and students with mending spending, learning about the proper use of credit, budget and expense guidelines, how to set up and implement a spending-plan and also how to access financial education courses and how to teach children about money. Other ICFE services include: Ask Mr. G,  a free eNews, and an online resource center for students, parents and educators, plus financial education learning tools and a book store.

To Order Financial Education Books, DVDs, and Software:
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San Diego, CA 92163-4070
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