Credit Remediation and Credit Education for Colorado Youth in Foster Care

To support county departments of human/social services and the Division of Youth Services, the Colorado Department of Human Services Division of Child Welfare has partnered with Credit Builders Alliance (CBA) to provide training and technical assistance in order to: meet federal and state requirements; protect youth in foster care from the consequences of identity theft; and, help youth in foster care understand the impact of good credit and how to strengthen their credit profiles as they age out of care.

The Colorado DHS logo Includes a capital C with stylized mountains and a stylized pine tree along with a blue and yellow circle with icon figures representing an adult, a child, and a person in a wheelchair. The Credit Builders Alliance logo features the organization's name and a stylized bridge.

Training & Resources Available

CBA provides training to county department and Division of Youth Services staff, caseworkers, volunteers, nonprofit practitioners, foster parents, and other relevant parties with information and resources about the Federal Credit Check Mandate and how to properly comply with it. This includes detailed steps needed to review a credit report for errors, dispute inaccuracies, and address identity theft. This training is designed to fulfill the responsibility of child welfare agency and DYS staff to assure that young people age 14 and older who are in foster care receive a copy of their credit report and assistance with resolving any inaccuracies found on the report. Additionally, those taking this course will learn how to communicate credit education to young people, including why credit is important for financial independence, the benefits of having good credit, and general credit knowledge to help youth and young adults build and sustain good credit as they transition into independent adulthood.

CBA offers support and consultation in the form of technical assistance for county department and Division of Youth Services staff, as well as other designated volunteers to respond to address credit remediation steps, questions, and concerns.

Technical assistance calls can be scheduled directly with CBA via Bookings here. Requests and questions can also be sent by email to or by phone at 202-800-3648.

Background Information

Youth in foster care are vulnerable to credit errors due to inaccurate reporting, identity theft, and because many people have access to their personal information as they move from one place to the next. These errors present major barriers for youth when transitioning out of the foster care system and into adulthood.

To address some of these challenges, the Child and Family Services Improvement and Innovation Act was passed in 2011 (Public Law No. 112-34) which requires all state child welfare agencies to ensure that youth in foster care who are 16 and older receive a free copy of any credit reports annually and get assistance in interpreting and resolving any inaccuracies on reports. In 2014, the Preventing Sex Trafficking and Strengthening Families Act (PL 113-183) was enacted that lowered the age to 14.


2024 - 2025 Training Events

NEW this year -- You can now take Credit Health for Youth in Foster Care in on-demand or live webinar format.

Register here for the on-demand (self-paced) version of this training.

Live Webinar Training Dates:

Credit Health for Youth in Foster Care
October 30, 2024: 9:00 am – 1:00 pm

Credit Health for Youth in Foster Care
February 12, 2025: 12:30 – 4:30 pm MT

Credit Health for Youth in Foster Care
May 14, 2025: 9:00 am – 1:00 pm MT

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