CreditSmart® and CreditSmart® Español



Sample Lesson Plan Four Hours

All About Credit

CreditSmart® and CreditSmart® Español

|Time |Topic (Presentation of Activity) |Materials/Tools |Reference |Objective(s) |

|7:00 – 8:00 a.m. |Pre-Session Preparation |Post-It notes, highlighters, |Refer to Workshop |Set up training room prior to |

|(60 minutes) |Set up for class |pens, pencils, large and |Checklist. |participants’ arrival. |

| |All flipcharts for the morning |small index cards, | |Instructor should arrive about 1 |

| |session should be prepared in |calculators | |one hour ahead of schedule. Early|

| |advance and should be up on the |Manuals, name tags | |arrival allows trainerinstructor |

| |wall. |Dots and name tent cards | |enough time to check all |

| |TrainerInstructor may enlist early|Name tent cards, markers | |equipment and make necessary |

| |arrivals to assist with set-up; | | |adjustments. |

| |which provides opportunity to get |Set up for breakfast at least| | |

| |to know some of the participants. |one-half to one hour prior to| | |

| | |participants’ arrival. | | |

| |Set up for class. | | | |

| |As participants arrive, give each | | | |

| |one a strip of colored dots | | | |

| |(stickers) for icebreaker | | | |

| |activity. | | | |

| |Ask participants to make a name | | | |

| |tent. | | | |

|8:00 – 8:15 a.m. |Continental Breakfast |Distribute classroom | |To learn more about the |

|(15 minutes) |Greet participants as they arrive.|material. | |participants as they mingle. |

| |Ask them to complete tent card | | |To set the mood. |

| |with their name. | | | |

| |Encourage discussion about credit.| | | |

| | | | | |

| | | | | |

|8:15 – 8:30 a.m. |Welcome and Introductions | | | |

|(15 minutes) | | | | |

| |Initiative Manager Opens the | | |To learn more about each |

| |Session | | |participant. |

| |(5 minutes) | | |To get them thinking about their |

| |Initiative Manager briefly | | |own credit practices and lessons. |

| |welcomes participants to this | | |To begin to set good practices and |

| |workshop. | | |dispel myths about credit. |

| | | | |To understand what motivates the |

| | | | |participant. |

| |Introductions | | |To establish rapport between the |

| |(10 minutes) | | |instructor and participants. |

| |Introduce instructor(s). | | |To learn more about each |

| |Explain to participants that you | | |participant. |

| |want to learn more about them to | | | |

| |ensure a good learning experience.| | | |

| |Participant introductions. | | | |

| |(Depending on the number of | | | |

| |participants, you may modify the | | | |

| |manner in which you handle | | | |

| |participant introductions) | | | |

|8:30 – 8:50 a.m. |Your Credit and Why It Is |Module: Tab 1 |Refer to P. 2 of |This module will provide |

|(20 minutes) |Important | |Instructor Guide for|participants with an introduction |

| |Participants should learn: | |consumer workbook |to credit, some basic terminology, |

| |The difference between good and | |material. |and an understanding of the value |

| |bad credit. | | |of a good credit record. |

| |Why the industry classifies credit| | |More tips on P. 2 of the Instructor|

| |as A, B, or C. | | |Guide. |

| |The impact of bad credit on | | | |

| |interest rates. | | | |

| |How goal setting may help achieve | | | |

| |good credit. | | | |

|8:50 – 9:10 a.m. |Establishing and Maintaining Good |Module: Tab 5 |Refer to P. 92 of |This module will provide |

|(20 minutes) |Credit |Use prepared list of questions|Instructor Guide for|participants with the knowledge to |

| | |for group activity using |consumer workbook |establish a credit history; will |

| | |credit report. Activity: |material. |review the contents of a credit |

| | |Consumer Workbook, P. 86. | |report, as well as the primary |

| | |PowerPoint Slides: Review all;| |credit and consumer protection |

| | |allow time for questions. | |laws. |

|9:10 – 9:25 a.m. |Break | | | |

|(15 minutes) | | | | |

|9:25 – 10:00 a.m. |Understanding Credit Scoring |Module: Tab 6 |Refer to P. 142 of |This module explains credit scoring|

|(35 minutes) |Start the discussion by asking the|Flipchart: Prepare in advance |Instructor Guide for|from a borrower’s perspective. It |

| |participants, “What is your |from P. 104 of Consumer |consumer workbook |also illustrates how consumer |

| |definition of credit scoring?” |Workbook—Factors that make up |material. |behavior affects credit scores. |

| | |the Credit Score. | | |

| | |PowerPoint Slides: Review all | | |

| | |slides briefly. | | |

|10:00 – 10:20 a.m. |Restoring Your Credit |Module: Tab 9 |Refer to P. 212 of |This module explains how to deal |

|(20 minutes) |Note: Some discussion of this |PowerPoint Slides: Review all|Instructor Guide for|with credit difficulties and the |

| |topic would have occurred in |slides briefly. |consumer workbook |financial consequences. |

| |Module 5. | |material. | |

|10:20 – 11:10 a.m. |Exercise |Understanding Your Credit |Download from |This exercise provides concrete |

|(50 minutes) | |Score |Workshop Activities.|examples of how to read a credit |

| | | | |report and ways to improve a credit|

| | | |Use this time to |score. |

| | | |review credit | |

| | | |reports with | |

| | | |participants one on | |

| | | |one. | |

|11:10 – 11:25 a.m. |Break | | | |

|(15 minutes) | | | | |

|11:25 – 11:45 a.m. |Avoiding Credit Traps |Module: Tab 8 |Refer to P. 176 of |This module provides information to|

|(20 minutes) |Start section by asking |Flip chart: Prepare a flip |Instructor Guide for|help participants recognize and |

| |participants their definition of |chart in advance that outlines|consumer workbook |avoid credit scams and predatory |

| |“Predatory Lending.” Write |the common predatory lending |material. |lending practices, which can |

| |definitions on a flip chart. |practices. (Use P. 140 of the | |consume personal resources and |

| |Encourage discussion; ask them to |consumer workbook as a guide.)| |severely damage one’s credit. |

| |share examples of their own, or |PowerPoint slides: Review | | |

| |others they know. (This should be |slides and refer to Community | | |

| |a short discussion.) |Connection Plan. | | |

|11:45 a.m. – Noon |Wrap Up | | |Summarize the day’s learning. |

|(15 minutes) | | | |Answer participants’ |

| | | | |questions—clear “parking lot.” |

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