Module 1: Your Credit and Why It Is Important

The single most effective way to prepare consumers for homeownership is to educate them on the importance of using credit wisely. This module introduces credit, basic terminology, and the importance of building a better credit record.

Module 2: Managing Your Money

Learn about the importance of developing a spending plan and developing wise spending habits, in addition to receiving tips on how to save money.

Module 3: Goal Setting

Find out about the importance of setting goals to achieve financial objectives.

Module 4: Banking Services

Get valuable information on the basics of banking and the importance of establishing a relationship with a financial institution to build credit, save money, and achieve goals.

Module 5: Establishing and Maintaining Good Credit

Learn how to establish a credit presence and maintain a good credit history. The module also reviews the contents of a credit report, as well as the primary credit and consumer protection laws.

Module 6: Understanding Credit Scoring

This module describes credit scoring from a borrower's perspective and illustrates how consumer behavior affects credit scores.

Module 7: Thinking Like a Lender

Get information on how lenders and other financial institutions determine creditworthiness and how it relates to credit scores.

Module 8: Avoiding Credit Traps

Get valuable information on how to avoid credit traps, identity theft, and predatory lending practices that can consume personal resources and severely damage credit histories.

Module 9: Restoring Your Credit

This module shows how to deal with credit difficulties and provides tips on how to restore impaired credit.

Module 10: Planning for Your Future

This module outlines the process to achieve goals and attain financial security.

Module 11: Becoming a Homeowner

This module provides practical information on how to prepare to obtain a mortgage and own a home.

Module 12: Protecting Your Home Investment

This newest curriculum module contains a wealth of information on understanding home equity, maintaining and improving your home, preparing for emergencies, and recognizing scams. It also includes a comprehensive section on alternatives to foreclosure.