- Programs + Services
- Beatrice Morrow
The Women’s Resource Center at Portland Community College’s Cascade Campus has a limited number of scholarships available through its Project Independence program. This program is designed for single parents and returning women students. Classes focus on how to be successful in college, exploring careers, and planning an educational path. Students in the program take 7 college credits together in a supportive learning community.
“We’ve had great success with the program getting women back in school and on a career path,” said Dr. Karin Edwards, Cascade Campus President and PCRI board member.
Class space and scholarships are still available, but time is running out to enroll in winter classes, which start January 9.
Please join an information session Wednesday, December 21 from 9:00 – 10:00 a.m.
Portland Community College, Cascade Campus, Student Union 301
If you cannot make it to the Information Session, PLEASE call 971-722-5249 to schedule a personal appointment.
Project Independence provides a safe and supportive environment for students as they begin or return to college, and can help participants navigate the college system and overcome anxiety about the program. Many program participants are single parents, are divorced, widowed or separated, or are survivors of domestic violence. All participants benefit from support services designed to ensure success:
The Winter 2017 classes begin January 9 and end March 17, 2017. Click on the image above for more information and to download a full flyer.
Are you looking for the best deals on a car? Cell phone? House? Loan? Join PCRI’s financial education program December 14 for a credit building class that covers a renter’s credit building tool, the ABCs of credit and includes insider tips on how to build credit, even rebuilding badly damaged credit. Understanding your credit is an important step to ensure you get the best bang for your buck.
When: Tuesday, December 20, 2016 – 6:00 p.m. to 7:30 p.m.
Where: PCRI Annex, 6601 NE Martin Luther King Jr. Blvd., Portland
Interested in more information about PCRI’s financial education or homeownership programs? Learn more HERE. Additional classes will be offered each month; please check back for more information.
Spending and credit habits can be easily tested during the holiday season: from temptation to overspend on those perfect gifts to discounts offered to open a store credit card. So it seemed to be a good time to revisit some tips shared at PCRI’s October financial education seminar.
Myth: To get a high score, run up high balances on your credit cards.
Reality: Using lot of credit is usually NOT good for your credit risk score. Roughly 30% of a FICO score is determined by a person’s reported debt, with particular emphasis on utilization of revolving credit such as credit cards (utilization = balance divided by credit limit). A rule of thumb is that people with high credit stores typically keep their utilization under 25% on credit cards.
Myth: Paying your credit card bill down to zero every month will boost your score.
Reality: Paying off your credit card is a great habit! You’ll avoid spending money on interest and likely keep your credit usage in the “good” zone. But … this great habit doesn’t necessarily translate into a higher credit score because scoring agencies generally see the balance as of a particular date, not how much is paid each month.
Myth: To raise your score quickly, open a new credit card or take out a loan.
Reality: The FICO score considers a wide variety of information about each reported account. A propensity to open new accounts and a short history on new accounts will likely hurt one’s credit more than help it. But if you take on new credit only as needed and use it responsibly, negative impacts of the new account will generally be offset within a few months.
Myth: To raise your score quickly, close any unused credit cards.
Reality: While it might seem like closing a credit card would help one’s credit score, that’s rarely the case. Having unused or available credit is more often viewed as a sign of lower risk for creditors. And although closing a credit card might be a worthwhile tactic so you don’t have the temptation to spend money you don’t yet have, it likely won’t boost your score (and might actually hurt it).
But you want to improve your credit score. What do you do? Here are the top suggestions from American Reporting Company:
So what are the factors that determine a FICO credit score?
Of course, these are just tips and recommendations. Your credit score considers deeper and more complex factors that just these few bullet points. Luckily, we can help. Join one of our upcoming financial education seminars or call us at (503) 288-2923 to make an appointment to meet with us one-on-one.