Credit curriculum provides a better way to teach classes on credit reports, credit scores and credit cards
The Good Credit Game addresses the large gap in knowledge about understanding, establishing, using and repairing credit. The FTC found that one in four consumers identified errors on their credit reports that might affect their credit scores – yet a survey from the National Foundation for Credit Counseling found most adults have reviewed neither their credit score (60%) nor their credit report (65%) in the past year. In the NFCC study, more than 40 percent of adults gave themselves a grade of C, D or F on personal finance knowledge.
The Good Credit Game was designed to overcome common complaints voiced by financial educators and credit counselors who teach credit classes. First, the teaching package uses a number of money games that make personal finance classes engaging. The activities are collaborative and encourage conversation and laughter. As a result, these hands-on activities move credit classes away from static lectures, PowerPoint presentations and worksheets.
"For years, financial educators have told us they've gotten great results using our Money Habitudes materials to teach financial habits and attitudes and they wished they had something similar to use in other financial literacy classes. We took a decade of learning from Money Habitudes and applied the same big ideas of fun, simplicity and interactivity to the important but complicated task of teaching about credit," said Lee Gimpel, Director of Development for LifeWise Strategies.
In addition, the credit teaching package can be used with students of different ages (young adult, college, adult, etc.), and educational and financial backgrounds. All of the student materials are written at a fifth-grade reading level to make them more accessible. Modules can also be customized to focus on more basic credit information or include more advanced credit lessons (e.g., bankruptcy, credit history, payday loans, etc.) and they're applicable to people with poor credit or excellent credit. Finally, the user-friendly financial lesson plans take a teach-out-of-the-box approach. Therefore, a financial educator need not be a credit expert to teach great credit classes. The Good Credit Game aligns to a variety of national standards of financial literacy.
Among the credit-teaching modules, credit curriculum covers:
• What is credit? Why good credit matters?
• What's in a credit or loan application? What's in a credit report?
• What does a credit report look like? How are credit reports used?
• How to request your annual credit report and fix mistakes?
• How does a credit report become a FICO credit score? What are the components of a credit score?
• What does a credit score mean?
• How do bad credit scores make things more expensive?
The Good Credit Game comes in three sizes for financial literacy classes of 10, 20 or 30 students. More information is available at www.GoodCreditGame.com.
LifeWise promotes healthy relationships with money through trainings and its popular Money Habitudes cards and The Good Credit Game. Money Habitudes is a unique money conversation starter and financial personality assessment. The fun activity feels like a game and gets people thinking and talking constructively about their money habits and attitudes. The Good Credit Game is a credit curriculum designed to help financial educators teach classes about credit reports, credit scores and credit cards.
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