Lack of financial literacy is a major cause of generational poverty. Poor credit, high consumer debt, and other impacts of bad financial decisions and life events can leave hardworking individuals and families struggling to move forward and make sense of it all.

Operation HOPE’s Credit and Money Management Program (CMMP) is a free financial literacy program offered and designed to accomplish three (3) specific goals within one (1) year:

1) Increase personal savings

2) Reduce consumer debts

3) Increase credit scores to 700+

Through free group workshops and personal one-to-one counseling, CMMP empowers clients to take control of their finances by creating a personal budget, reducing and paying down debt, and clearing errors from their credit reports.