Credit When Credit is Due (CWCID) is a twelve-lesson credit education course developed by the American Center for Credit Education.

The goals for CWCID are:

• To teach you what you need to know about how credit works

• To provide you with the information you need to gain confidence in using credit wisely

Through CWCID, you will learn:

• How to create a workable budget

• How to understand the credit-granting process

• What you need to know about credit cards and other loans

• What to do If you fall behind

• How to build or rebuild a solid credit history

Applying the information you learn in CWCID will help you to achieve financial health and can help you to reach your goals.