The HACE Credit Academy (HCA) was created in late 2017 to educate the community on how credit works, how to improve credit history and how to negotiate with creditors. HACE partnered with the Urban Affairs Coalition for consumers to complete a financial advancement network club (FANclub), which consists of 3 classes on credit building and improvement. Consumers that complete the workshops receive 6 hours of financial education, receive $50 gift card and may be eligible for the HACE secured credit card. The 4th HCA series just completed on April 9th, graduation 21 new consumers. The 21 graduates are now enrolling for one-on-one financial coaching to determine if the eligibility of the HACE secured credit card with a credit limit of $300.