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Announcement: Ocean Inc. Free Credit Management & Credit Repair Workshop Series in Partnership with STEPS - Program Announcement held today at the Lakewood, NJ Chamber of Commerce Meeting

With over 40 individuals and organizations in attendance this morning including Joint Base McGuire, Ft. Dix and Lakehurst (JBMDL), Senator Singer, OceanFirst Bank and NJDCA, Ocean Inc., STEPS, and Wells Fargo announced the free Ocean Inc. Credit Management & Credit Repair Workshop Series at the Harrogate Center in Lakewood, NJ hosted by the Lakewood Chamber of Commerce.


Beginning with an invocation from Joint Base Senior Chaplain Jonathan Hurt, Ocean Inc. in partnership with STEPS followed with an introduction of the free Credit Management and Credit Repair Workshop Series focusing on financial education and economic empowerment to help residents succeed financially and build better lives.


Channell Wilkins, Ocean Inc. President/CEO launched today's meeting with a description of Ocean Inc. Programs and Services with a focus on the new Credit Management and Credit Repair Workshop Series.


Paralee Knight, Vice President of Wells Fargo Philanthropy and Community Impact thanked all coordinators involved in making the workshops a success. "Our hope is that this opportunity is a start to not just improvement of individual financial well-being, but that it creates a cycle that concludes in the reciprocity of giving." said Paralee Knight.


Kyra Price, Vice President, Director of Operations of Solutions To End Poverty Soon (STEPS) discussed the upcoming workshops. The eight-week workshop program will be held in the meeting room at the ShoreTown Ballpark located at 2 Stadium Way in Lakewood, NJ beginning May 15, 2024 with Kyra Price of STEPS who specializes in credit repair leading the program. See attached flyer or click on the following link to sign up for the free 8-week workshop series:



The purpose of the training program is to help residents build and/or repair their credit history and addresses one of the major barriers to homeownership or starting a business: Poor credit history due to ineffective debt management.


The 8-Week Credit Management and Credit Repair Training Program will be conducted on Wednesdays, from 4:00 pm-6:00 pm. (See schedule below)

Week 1 May 15th Introduction and Course Overview

Week 2 May 22nd The Basics

Week 3 May 29th Credit- The Good, The Bad & The Ugly

Week 4 June 5th Responsible Credit Use

Week 5 June 12th Types of Credit (Complimentary Blue Claws Game Tickets to all participants)

Week 6 June 19th Avoiding Common Credit Risk

Week 7 June 26th Credit- Know your Rights (Complimentary Blue Claws Game Tickets to all participants)

Week 8 July 3rd Protect Yourself


Participants will learn about:

-Credit scores and credit reports

-Debt management

-How to identify and correct errors on your credit report

-How to properly negotiate with creditors

-How to increase your score


Expectations:

-Participants who comply to the training program will be able to establish strategies to build and maintain credit

-Participants are expected to attend at least 7 of 8-week program

-Participants will take away knowledge and skills that will enable them to access their credit report

-Participants will obtain supported information as well as a plan to services that can help them repair their credit

-Participants will develop confidence and attitude to correctly use credit to increase ‘creditworthiness”


Requirements:

Participants must furnish their pre-workshop credit ratings and authorize STEPS to retrieve their credit scores, conducting a soft inquiry 8 weeks post-workshop and again at the 6-month mark following the program.​


Closing Activity

Post Workshop Quiz- The Post Workshop Quiz will examine what the participate attained from the workshop, also give the facilitators what to focus on

Brief Question and Answer Session (If needed-Approximately 10 minutes)

Workshop Survey


Workshop Certificate

Participates will receive certificate for attendance of 7 of 8 sessions.


As Paralee Knight of Wells Fargo mentioned this morning, "We can all be reminded as William Ward said, Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give."


Visit the Ocean Inc. 'Calendar of Events' with updates continuously posted on the following site: https://oceaninc.org/calendar-of-events


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