CreditSmart™ and Financial Literacy

Good credit is an essential step in buying a home, especially for the first time homebuyer. Credit problems are a common hurdle for prospective homebuyers, who often have little understanding of the impact of casually made financial decisions.

The Foundation partners with local REALTOR® associations, the Maryland Association of REALTORS® and Freddie Mac to train instructors in the CreditSmart™ curriculum, a credit education workshop for consumers. The workshop teaches basic financial management skills, including how get and keep good credit and financial literacy.

The CreditSmart™ program consists of nine modules that focus on all aspects of financial literacy. Consumers learn how to manage credit wisely, how to restore credit after financial problems, and how credit decisions may affect the outcome in all transactions involving credit, including renting and buying a home.

The following local REALTOR® boards and associations have hosted CreditSmart™ training classes. Certified instructors are teaching CreditSmart ™ classes to consumers in their communities.

Anne Arundel County Association (Anne Arundel County)

Bay Area Association (Caroline, Kent and Queen Anne’s Counties)
Greater Baltimore Board (Baltimore County and City)
Carroll County Association (Carroll County)
Cecil County Association (Cecil County)
Coastal Association (Somerset, Wicomico and Worcester Counties)
Frederick County Association (Frederick County)

Garrett County Board (Garrett County)
Harford County Association (Harford County)
Historic Highlands Association (Allegany County)
Howard County Association (Howard County)
Mid-Shore Board (Dorchester and Talbot Counties)
Pen-Mar Regional Association (Washington County)
Prince George's County Association (Prince George's County)
Southern Maryland Association (Calvert, Charles and St. Mary's Counties)

For a more in-depth look at the CreditSmart™ curriculum, go to

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© 2005 Partnership for Housing Foundation™