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Pathway to Relief
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Part of: Programs and CurriculumA program of the Advocacy and Access Network
Financial Literacy Courses
Build credit you can prove.
CreditMoney skillsCurriculumVideo lessons
Looking for a financial literacy or credit coach, or a program your team can run? We've got you.
Financial literacy and credit coaching for adults 18 and up, with short video lessons and worksheets a facilitator can run. The Credit Pathway lives here too.
See course topics
Why credit matters
- Credit as a companion
- What the system can see, not your worth
Housing and thin files
- Thin credit files
- Rent that isn't reported
- Rent reporting services
How credit information travels
- Who reports to the bureaus
- Applications vs monthly reporting
- Why your three reports can differ
The three bureaus and score models
- Experian, Equifax, and TransUnion
- Bureau vs score model vs lender
- "But my app says 730!"
- FICO, VantageScore, and auto and card scores
Applying smart
- Hard inquiries
- Rate shopping
- Planning for a big purchase
- Know before you apply
Payments and balances
- Myths about missed due dates
- Minimum payment vs full balance
- Utilization
- Late payments
- Recovering without shame
Contracts and total cost
- Reading APR, fees, and terms
- Monthly payment vs total cost
Buying a vehicle
- Full cost of ownership
- Inspections
- Warranties and cancellation terms
Cleanup and protection
- Reviewing your reports
- Legitimate disputes
- Mixed files and identity theft
- Credit freezes
Other reports about you
- Rent and payment reporters
- Specialty reports
- Data brokers
Scams
- Why scammers target good credit
- Red flags
Building credit
- Secured cards
- Building history without over-borrowing
Emergencies
- Savings plus credit
- What happens with weak credit in an emergency
Using credit wisely
- Available credit vs debt
- Borrowing smart vs overextending
Banking basics
- Cash vs credit
- Reading statements, fees, and due dates
Money tools with AI
- Building simple calculators
- Goal planning pages
Meet Score.
Your guide through credit and money, one step at a time.
Financial literacy and credit coaching for adults 18 and up, with short video lessons and worksheets a facilitator can run. The Credit Pathway lives here too.
What's inside
Credit Pathway
90 days with a coach. You learn how credit works and build a history you can show a landlord or lender. The items below can also be booked on their own.
Credit Education Program
Group classes on how credit works: reports, scores, payment history, and how to spot predatory offers.
Credit Accelerator Coaching
One-on-one coaching to set a credit goal, make a plan, and stay on track.
Credit Restoration Services
Help finding and disputing errors on your credit report, provided with a trusted partner.
Financial Literacy Video Series
Short video lessons on budgeting, banking, saving, and credit.
Where does your score stand?
Get your free credit report
You can see your credit reports from all three bureaus for free, every week, at AnnualCreditReport.com. It's the official free site. Type the address yourself so you don't land on a look-alike.
Go to AnnualCreditReport.com (opens in a new tab)Go to AnnualCreditReport.com and click "Request your free credit reports."
Enter your name, address, date of birth, and Social Security number. Only enter this on the official site.
Choose all three bureaus: Equifax, Experian, and TransUnion.
Answer a few security questions to prove it's you. They may ask about past addresses or accounts.
Read your report. Check names, addresses, and accounts. Anything you don't recognize could be an error or fraud.
Save it. On a laptop, click Print, change the printer to "Save as PDF," and save the file. Then you can send it to your phone or keep it in your files.
Repeat for the other two bureaus.
The three credit bureaus
Go to each bureau directly to freeze your credit or dispute an error. Free reports come from AnnualCreditReport.com.
Your free report shows your credit history, not your score. Check at least once a year and before any big application like an apartment or a car.
Get started
Interested in Financial Literacy Courses?
Get started and we will show you how it fits your organization.
The pathway
Learn the basics
Learn credit and budgeting
Use it in real life
Open and use a starter account
Teach the next person
Help a peer read their credit report
Start the next level
Reach your goal: an apartment, a car, a business
Why choose Financial Literacy Courses?
- Built from lived experience in reentry
- Includes the 90-day Credit Pathway
- Written for mixed literacy levels
- Works in low-tech settings
- Trauma-informed and culturally responsive
- Ready for your staff to run with little prep
- Credit restoration through a partner
Who it's for
Participants
- Adults 18 and up
- Mixed literacy levels
- Low-tech settings
Organizations
- Nonprofits
- Housing programs
- Workforce programs
Staff and facilitators
- Short video breakdowns
- Worksheets and discussion prompts
- Little prep needed
Best fit for
Organizations
- Transitional housing programs
- Reentry programs
- Young adult and adult programs (18 and up)
- Workforce boards and job programs
- Community colleges and student support programs
- Credit unions and community lenders
- Housing nonprofits
Works best alongside
Already offering these? Here's what it adds:
- Participant stipends or incentive paymentsAdds: Real money to practice budgeting with, plus milestone rewards tied to on-time payments and savings goals.
- Rental assistance or housingAdds: Rent and utility history that can build credit, and a renter-ready file at exit.
- Weekly case management check-insAdds: A ready-made coaching routine: statement review, due dates, and progress tracking.
- A banking or credit union partnerAdds: A clear path to checking, savings, and a starter credit-building account.
- Savings or deposit programsAdds: A deposit reserve goal that keeps savings separate from credit.
- Housing navigationAdds: Credit readiness that makes the next application stronger.
Bring Financial Literacy Courses to your organization
Part of: Programs and Curriculum
Setup
We help your organization launch it.
Training
We train your staff to run it and teach it.
Follow-up
We stay with you while it takes hold.
Ready? Let's get started.
Related programs
Talk with us about Financial Literacy Courses.
Consultations and programs
Speaking and panel invitations
The Advocacy and Access Network
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