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Many are unaware of the negative long-term impact that poor credit can have on their financial security and quality of life. The Ad Council has teamed up with The Consumer Bankers Foundation and the Leadership Conference on Civil Rights Education Fund, as well as the banks you see listed below, to develop a campaign about simple steps you can take to improving your credit.

HSBC

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HSBC - North America comprises all of HSBC's U.S. and Canadian businesses. The company's businesses serve nearly 60 million customers in five key areas: personal financial services, consumer finance, commercial banking, private banking and corporate investment banking and markets. Financial products and services are offered under the HSBC, HFC and Beneficial brands.

www.hsbcusa.com

SunTrust logo

SunTrust

SunTrust Banks, Inc., headquartered in Atlanta, is one of the nation's largest banking organizations, serving a broad range of consumer, commercial, corporate and institutional clients. The Company operates an extensive branch and ATM network throughout the high-growth Southeast and Mid-Atlantic states and a full array of technology-based, 24-hour delivery channels. The Company also serves customers in selected markets nationally. Its primary businesses include deposit, credit, trust and investment services. Through various subsidiaries the Company provides mortgage banking, insurance, brokerage, equipment leasing and capital markets services.

suntrust.com

Wachovia

Wachovia logo

Wachovia Corporation (NYSE:WB) is one of the nation's largest diversified financial services companies, with assets of $754.2 billion and market capitalization of $95.3 billion at September 30, 2007. Wachovia provides a broad range of retail banking and brokerage, asset and wealth management, and corporate and investment banking products and services to 13 million household and business customers. Wachovia has 3,400 retail financial centers in 21 states from Connecticut to Florida and west to Texas and California, and nationwide retail brokerage, mortgage lending and auto finance businesses. Globally, clients are served in selected corporate and institutional sectors and through more than 40 international offices. Our retail brokerage operations under the Wachovia Securities brand name manage more than $800 billion in client assets through 11,400 registered representatives in 786 offices nationwide. The acquisition of A.G. Edwards, Inc., following the end of the third quarter, added approximately 740 offices, 6,300 financial consultants and $384 billion in brokerage client assets. Online banking is available at wachovia.com; online brokerage products and services at wachoviasec.com; and investment products and services at evergreeninvestments.com.

www.wachovia.com/financialliteracy

LCCREF

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The Leadership Conference on Civil Rights Education Fund, the research and communications arm of the Leadership Conference on Civil Rights, is committed to the protection and advancement of basic civil and human rights. The Leadership Conference on Civil Rights is the nation’s oldest, largest and most diverse civil and human rights coalition. It furthers the goal of equality for all through legislative advocacy and public education. LCCR consists of nearly 200 national organizations.

CBF

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The Consumer Bankers Foundation is the nonprofit arm of the Consumer Bankers Association and is the recognized voice on retail banking issues in the nation's capital. Member institutions are the leaders in consumer financial services, including auto finance, home equity lending, card products, education loans, small business services, community development, investments, deposits and delivery.

CBA was founded in 1919 and provides leadership, education, research and federal representation on retail banking issues such as privacy, fair lending, and consumer protection legislation/regulation. CBA members include most of the nation's largest bank holding companies as well as regional and super community banks that collectively hold two-thirds of the industry’s total assets.

www.cbanet.org

Citigroup

Citi logo

Citi is one of the pre-eminent financial services company of today, with some 200 million customer accounts in more than 100 countries. Its history dates back to the founding of Citibank in 1812, Bank Handlowy in 1870, Smith Barney in 1873, Banamex in 1884, and Salomon Brothers in 1910.

Other major brand names in Citi's diverse portfolio include Citi Cards, CitiFinancial, CitiMortgage, CitiInsurance, Primerica, Diners Club, Citi Private Bank, and CitiCapital.

www.citigroup.com

National City

National City logo

National City Corporation (NYSE: NCC), headquartered in Cleveland, Ohio, is one of the nation's largest financial holding companies. The company operates through an extensive banking network primarily in Ohio, Florida, Illinois, Indiana, Kentucky, Michigan, Missouri and Pennsylvania, and also serves customers in selected markets nationally. Its core businesses include commercial and retail banking, mortgage financing and servicing, consumer finance and asset management.

www.nationalcity.com