Credit & Managing Debt

Upcoming events

    • 02 Apr 2015
    • 5:30 PM - 7:30 PM
    • Baltimore City

    Join your local Community Action Center to learn about financial literacy and planning. 


    • household budgeting
    • debt relief
    • how to read your credit report
    • banking 
    • credit and debit cards
    • how to save money and develop a savings plan
    • prioritizing your bills

    Classes held at all Centers every Thursday, 
    Feb. 12-April 2, 2015
    5:30-7:30 PM

    Community Action Centers
    Northern- 5225 York Rd.
    Northwest- 3939 Reisterstown Rd.
    Southern- 606 Cherry Hill Rd.
    Southeast- 3411 Bank St.
    Eastern- 1400 E. Federal



    • 02 Apr 2015
    • 6:30 PM - 8:30 PM
    • Harford Community College, LIBRARY- CONFERENCE ROOM 214, 401 Thomas Run Road Bel Air, MD 21015

    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered! With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on the important financial topics listed below. The workshops will be held multiple times over a six-week period during the spring 2015 semester. You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    Week 4: Financial Recovery

    Recover financially and rebuild your credit.


    Students are encouraged to download materials prior to attending workshop sessions:
    www.harford.edu/student-services/financial-aid/managing-your-money/financial-sense-workshops.aspx


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com

    • 04 Apr 2015
    • 9:00 AM - 11:00 AM
    • The Fuller House 3470 Rockefeller Court Waldorf, MD 20602

    Good credit plays an important role in your financial life. Learn more on how credit works, types of credit that is available, and if you are ready to apply for credit.


    Refreshments available.


    For more information, and to R.S.V.P., please contact Carolyn Cowan at: (301) 609-9900 or ccowan@lifestylesofmd.org

    • 11 Apr 2015
    • 11:30 AM - 1:30 PM
    • Andrews Federal Credit Union Headquarters, 5711 Allentown Road, Suitland, MD 20746
    Part seminar, part interactive learning, teens ages 14–18 years old will gain an understanding of financial topics such as: checking accounts, savings accounts, online banking, debit cards, credit reports & scores, loans, investing, budgeting, and more!

    Presented by Melissa Gardner, CCUFC.

    To register go HERE.
    • 16 Apr 2015
    • 6:30 PM - 8:30 PM
    • Harford Community College, LIBRARY- CONFERENCE ROOM 214, 401 Thomas Run Road Bel Air, MD 21015

    The Financial Aid Office at Harford Community College is committed to helping you feel financially empowered! With assistance from APG Federal Credit Union, we’re offering a series of FREE workshops on the important financial topics listed below. The workshops will be held multiple times over a six-week period during the spring 2015 semester. You may pick the topics that most interest you, but we strongly suggest you attend as many as possible.


    Week 6: Getting YOUR Credit

    Credit WILL impact YOUR life – past, present and future. Make a credit card work for you!


    Students are encouraged to download materials prior to attending workshop sessions:
    www.harford.edu/student-services/financial-aid/managing-your-money/financial-sense-workshops.aspx


    To register, call 410-612-2361 or email WorkshopRSVP@apgfcu.com

    • 20 Apr 2015
    • 6:00 PM - 7:30 PM
    • 400 Cathedral St., Baltimore, MD 21210

    This program is designed to explain the basics of credit, making sound financial decisions, and monitoring your credit & score via credible resources.


    This event is being held in the Poe Room of the Central Library



    Contact Ray Cruitt
    cruitt@prattlibrary.org, 410-396-5317 

    • 21 Apr 2015
    • 6:00 PM - 7:00 PM
    • Albert S. Cook Library. Towson Univ. 8000 York Rd. Towson, MD 21252. computer classroom (CK317)
    • 25

    In honor of Money Smart Week, Mark Kopatch, Programs Manager of Eastside CDC, Inc. will speak at Towson University to explain about credit and the pitfalls of Debt, and share Budgeting and Saving Techniques.


    The class will discuss the nature of credit, how to establish and maintain good credit through good choices, and how to repair bad credit. Also, we will discuss the opportunities and pitfalls of debt. Lastly, how to manage money, importance of budgeting and practical techniques, and savings importance and techniques for the future.


    Mark will also give information on helpful websites and how to participate in free Financial Fitness and Coaching programs and First Time Homebuyers programs after college to assist in major life choices.

    • 22 Apr 2015
    • 5:00 PM - 7:00 PM
    • Southeast Anchor Branch Library - Auditorium 3601 Eastern Avenue, Baltimore, MD 21224
    Come learn about credit and why it's important. We will discuss what credit is, the difference between a credit score and a credit report, resources to help you with your credit and how to get your free credit report!


    Taught by Baltimore CASH Campaign. 


    • 22 Apr 2015
    • 5:30 PM - 6:30 PM
    • Frederick County Library,110 East Patrick Street 21701 Frederick
    • 20
    Description: Come to this interactive workshops to find out why and how to get your credit report, dispute inaccurate items on your report, what makes up your credit score and ways to build or rebuild your credit

    This Credit Education event is hosted by the Frederick CountyLibrary in conjunction with the Frederick County Financial Literacy Coalition, the Prosperity Center at the Bernard Brown Community Center, United Way, Housing Authority of City of Frederick and Interfaith Housing Alliance.
     
    The class is taught by Sue Rogan, Director of Financial Education with MD CASH Campaign. 
    • 22 Apr 2015
    • 6:30 PM
    • 104 East Center Street, Oakland, MD 21550
    • 25

    Join the Garrett County Community Action Committee for a family dinner and workshop on Credit. Childcare is provided along with activities for children to learn about money management.

    • 23 Apr 2015
    • 7:00 PM - 8:30 PM
    • Calvert Library 850 Costley Way Prince Frederick, MD 20678



    Come learn all about Credit:


    Ah, that magical number, the credit score! Do you wish you knew all the secrets to having a good one? As part of Money Smart Week, Calvert Library Prince Frederick is hosting Maryland Cash Campaign on Thursday, April 23 at 7:00pm to present a workshop, Maximizing Your Credit Score, Minimizing Your Debt. Credit reporting and credit scores will be unmasked. Attendees will learn how to build credit and how to choose the best credit cards, car loans, student loans and mortgages. This session will be perfect for teens heading off to college, those looking to enter the housing market and anyone looking to increase their “money smarts!” Registration requested at CalvertLibrary.info or call Robyn Truslow at 410-535-091 or 301-855-1862.


    This class will be taught by Lolita Curtis, Founder/CEO/President of The Assets For Financial Independence Foundation.

    • 23 Apr 2015
    • 7:00 PM - 8:30 PM
    • Crofton Community Library, 1681 Riedel Rd., Crofton, MD 21114

    Teens will learn about saving and managing money, using credit wisely, differentiating between needs vs wants, and other financial success tips.


    Contact:

    Christina Teasley
    cteasley@aacpl.net
    (410) 222-7915

    • 06 May 2015
    • 6:00 PM - 7:30 PM
    • Baltimore County Public Library,Randallstown Branch 8604 Liberty Road Randallstown, Maryland 21133
    • 25

    Foreclosure Prevention


    A HUD certified housing counselor from CCCS of MD & DE will be the presenter. They will help you understand what steps you must take if you are facing foreclosure.
    · Where to turn for help

    · What options you may have – refinance, reinstatement, forbearance, repayment plan, loan modification, short sale, deed-in-lieu foreclosure, assumption, bankruptcy

    · Explaining the process and timeline

    · How a housing counselor may be able to help you

    · How to avoid fraud and scams

    • 08 Jul 2015
    • 10:00 AM - 11:00 AM
    • 610 East Diamond Avenue, Suite 100, Gaithersburg, MD 20877 (Training Room)
    • 25
    Description: The way we manage our credit and debt affects how much we pay for credit (i.e. interest rates), our ability to be qualified for more credit, and even employment opportunities and how much we pay for car insurance.

    Participants will learn:
    -All about credit scores
    -How to get a credit report
    -How to rebuild credit
    -How to choose loan products
    -Ways to avoid predatory loans, as well as
    -How to manage debt.

    A Spanish translator will be available during this presentation.

    This class is provided by:Family Services, Inc., www.familyservicesagency.org

    One hundred years ago a group of caring community members came together to help those who were most in need. This particular group called themselves the Social Services League, and established their tradition of "Neighbors Helping Neighbors." 

    In 1959, the organization's name was changed to Family Services Agency. To meet the needs of the ever-changing Montgomery County population, Family Services has expanded and now houses 14 different programs! Today, Family Services is still committed to making a long-lasting impact on families.Through its innovative early childhood, educational, and behavioral health programs, Family Services makes a difference in the community.

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