2707 Main Street Sayreville, NJ 08872

  732.727.9500 Mon-Fri 9:00am - 4:00pm

New Jersey HUD Approved Housing Counseling Agency

NJ Credit Smart Education & Counseling

NJ Credit Education Workshops

One on One Credit Education & Counseling

NJ Credit Education Workshop

New Jersey Credit CounselingUnderstanding, building, and maintaining your credit is a 6-hour workshop designed to help participants increase financial knowledge, enhance money management skills and develop financial confidence.


  1. The importance of having and maintaining a good credit score.
  2. What you need to know about introductory rates, regular rates and annual fees that come with credit cards.
  3. How to create and maintain a monthly budget.
  4. How to establish or rebuild a credit history.
  5. How much of your income should be saved and why.
  6. The importance of paying more than the minimum payment on a credit card bill.
  7. How your credit history will affect your credit future.
  8. How bankruptcy affects your credit record.
  9. What to do if you are a victim of consumer fraud.

Participants interact during the workshop by working through case studies, preparing their own budgets, assessing their own credit report/credit scores and assist in the preparation of a take home Action Plan.

For more information and dates of upcoming workshops, please visit our upcoming events page.

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