about tri-cities Hwy 720

The 720 Financial Literacy campaign is an opportunity to link financial counseling to the community at-large. It is an opportunity for the community to pause and look at their financial situations through several lenses. Knowledge has always been the key to change and empowerment. Financial Literacy is the road to a healthy credit score which can change lives. Achieving a score of 700 or better can open doors to housing, jobs, and other opportunities for a better life for all.

The purpose of the “720 Financial Literacy Hwy initiative” is to:

• Generate awareness of free financial literacy resources in the community.
• Direct community members to a listing /directory of available free resources for individuals and small businesses owners to access as needed.
• Provide free virtual and in-person activities such as workshops, seminars, appointments etc. …  that will help them understand the importance of Financial Literacy and a strong credit score.

Most think “more money” is the answer, however, knowing what to do with your money is critical to everyday decisions and long-term financial stability.

Check out the options below to find an opportunity that’s right for you!

Financial Stability opportunity Guide:

All of the below events will take place July 20, 2023 (7-20-23)

Understanding Credit
Description: What factors effect your credit score, and strategies to improve scores, to an audience of primarily young adults.
Time: 1:30 – 2:30p
Location: Carter Co. Bank | Community Room | 800 East Broad St, Elizabethton, TN
Contact: Bank of TN | Detra Cleven |423-262-5486 | dcleven@bankoftennessee.com

Protecting Your Credit
Description: How to protect your credit from scammers. The importance of having a 700 credit score or higher in your senior years.
Time: 12:00 – 2:00p
Location: Bristol Public Library | 800 State St. Bristol, TN
Contact: Operation HOPE Inc | Sarah Williams | 423-764-2226 | sarah.williams@operationhope.org | www.operationhope.org

Banking Credit Myths & Facts
Description: Qué requisitos necesitas para abrir una cuenta bancaria? Qué pasa en el caso de un inmigrante sin documentos? Cómo se obtiene un ITIN? Cómo te afecta el puntaje de crédito? No necesitas un numero de seguro social para planificar tu futuro Lo que debes de saber sobre tu puntaje de crédito 
Time: 12:50p
Location: https://www.facebook.com/HomeSourceTN|https://www.facebook.com/centrohispanotn
Contact: HomeSource East TN
Rene Yanes | ryanes@homesourcetn.org | Laura E. Contreras-Alanís | lcontreras@homesourcetn.org | 865.971.1679
Centro Hispano | Hilda Castillo | 865.522.0052 | hilda@centrohispanotn.org

Predatory Lending
Description: Facts About: Payday loans. Cash advance lenders. The cost of having bad credit. Rent-to-own vs buying.
Time: 6:00p
Location: Facebook Live sessions: https://www.facebook.com/HomeSourceTN
Contact: HomeSource ETN, Pinnacle Bank
Keely Ritchie | keely.ritchie@pnfp.com
Rene Yanes | ryanes@homesourcetn.org
Laura E. Contreras-Alanís | lcontreras@homesourcetn.org
865.971.1679

Money Management Workshop  
Lunch and Learn | Refreshments Served
Description: Understanding credit, cash apps vs credit card vs savings account 
Time: 12:00 – 1:00p
Location: Kingsport Library | 400 Broad St, Kingsport TN
Contact: Operation Hope| Alan Pickle | apickle@operationhope.org | www.operatiohope.org

Reduce Financial Stress by Reaching Your Financial Goals
Contact AOF to set up your FREE one-on-one financial coaching session tailored to your needs.
Time: 9:00a – 12:00p
Location: TBD Based on Client Need
Contact: Appalachian Opportunity Fund | Oren Peterson | Opeterson@aofcoaching.net | 865-456-4224 (call or text)

Financial Literacy After Hours Networking Event
Presented by: PEAK Young Professionals and First Horizon  
Time: 5:00 – 7:00p
Location: Sports Mill | 600 E. Market, Kingsport TN
Contact:
United Way Kingsport | Becca Sutpen | bsutpen@uwaykpt.org
Kingsport Chamber | Vanessa Bennett | vbennett@kingsportchamber.org
Operation Hope | Alan Pickle | Alan.pickle@operationhope.org
First Horizon Bank | Tiffany Greer  | tiffany.greer@firsthorizon.com

First Stop to Building Credit                                             
Description: Johnson City drop in event.
Time: 9:00 – 11:00a
Location: First Horizon | 2112  N. Roan St., Johnson City TN
Contact: First Horizon | Robbie Davis | rjdavis@firsthorizon.com | 423.461.1719

First Stop to Building Credit                                                     
Description: Bristol drop in event.
Time: 9:00 – 11:00a
Location: First Horizon | 800 State St., Bristol TN
Contact: First Horizon |Kevin Wysor | kmwysor@firsthorizon.com | 423.764.2265

First Stop to Building Credit                                                     
Description: Kingsport drop in event.
Time: 9:00 – 11:00a
Location: First Horizon | 235 E. Center St., Kingsport TN 
Contact: First Horizon | Amy Marshall | amarshall@firsthorizon.com | 423.378.7005

A Movement Toward Home Ownership
Lunch & Learn
Description: Kip Parks from Eastern Eight Community Development Corporation will be introducing their programs. Eastern Eight CDC’s mission is to fulfill housing needs for low to moderate income families, making home ownership a reality for more. They offer multiple services including but not limited to housing coaching, mortgage lending, and new construction.
Time: 12:00 – 1:00p
Location: The Depot at Food City | 920 N. State of Franklin Rd., Johnson City, TN 37604
Contact:
UETHDA | Hannah Marshall | hmarshall@uethda.org | 423-480-8037
Eastern 8 | Kip Parks | kparks@e8cdc.org

Your Credit Report and Credit Score
Description: Learn how to obtain and read your credit report.
Time: 10:00 a.m.-3:00 p.m.
Location: Regions Bank | 1460 E Jackson Blvd., Jonesborough, TN 37659  
Contact: Regions Bank | Beverly S. Deaderick | beverly.deaderick@regions.com | 423-788-8160

Understanding and Boosting Credit 
Description: Gain valuable insights and practical strategies to understand and improve your personal credit.
Time: 11:00a
Location: Webinar = Register Here
Contact: First Horizon, Military Community ARG
Cathy Guarnacci| cguarnacci@firsthorizon.com  
Paul Ollis | paul.ollis@firsthorizon.com 
Heather Hoag | hhoag@firsthorizon.com | 865-824-4044

TRUIST
Description: TBD
Time: TBD
Location: TBD
Contact: TRUIST
Angela Conner | angela.conner@truist.com
James Brown | james.brown@truist.com
Larry Jones | larry.jones@truist.com

ACFCU
Description: TBD
Time: TBD
Location: TBD
Contact: Appalachian Community Federal Credit Union | Miranda Cooper