Frank Ruvalcaba from Operation Hope discussed their financial education services for underserved communities. Operation Hope, founded in 1992, provides credit and financial management programs, home buyers education, and small business coaching. Ruvalcaba emphasized the importance of accountability and commitment in their programs, which can take 3-24 months to improve credit scores. He highlighted the significance of on-time payments, which comprise 35% of a credit score, and the benefits of auto-pay. Ruvalcaba also explained the differences between soft and hard credit checks and the impact of debt consolidation on credit scores. Contact information: 404-994-9011, operationhope.org.