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Workshops & clinics
Free and multilingual. In person with partner libraries, congregations, reentry and workforce programs, and legal-aid offices across Northern Virginia — and online for everyone else.
A short series, plain language, no sales pitch.
Each session stands on its own — come to one or all of them.
Reading your credit report and score
What is on a report, where it comes from, what actually moves a score, and what does not.
The Fair Credit Reporting Act and your right to dispute
What the law entitles you to, the timelines that apply, and what a valid dispute looks like.
Budgeting and debt payoff
Building a workable budget and choosing between avalanche, snowball, and consolidation.
Medical and student debt
Disputing medical bills, understanding recent medical-debt reporting changes, and student-loan status.
Collections and time limits
Debt validation, the statute of limitations, and time-barred debt.
Predatory loans and fees · building credit safely
Spotting high-cost lending, and building a thin file with secured cards and reporting rent.
Bring your report. Leave with your letters drafted.
Pull your reports
An educator helps you request your reports from all three bureaus at no cost.
Review them together
Go line by line and flag anything inaccurate, unverifiable, or past the reporting window.
Draft your letters
Use the free tool to prepare your dispute, validation, and goodwill letters. You are the author and sender.
Organize your follow-up
Leave with a tracking sheet and the dates to watch for each response.
Sessions are announced as partner agreements are finalized.
We are booking host sites now. Join the notice list and we will email you when a workshop or clinic is scheduled near you, or when a new online session opens.
Email us to be added to the notice list or to ask about a session:
Join the notice listOr call (800) 621-2294.