About Us

Smart Credit for Young Adults (SCFYA) is a US 501(c)(3) Nonprofit Organization/VA (SCFYA #27-0347600) Credit Reporting Literacy and Education Outreach Foundation for teens/young adults (Ages 18-25).

SCFYA was founded in 2007 by Agnes C. Ginoba, MBA-Hons. Originally test- piloted during 2009 at the Fairfax County Public School (Adult Education) as “Smart Credit for Teens, the program included financial education workshops for high school seniors. The test also included the adult program, “Learn How to Scrub Your Credit. The foundation now focuses solely on the Credit Report Literacy and Education Outreach for teens & young adults ages (18-25).

About Presenter

Meet the Hat Lady of Fairfax
With the White-Glove Touch
Agnes Caroline Ginoba, aka (The HatLady) a former president of H&R Mortgage. she has over 40 years of financial, and executive management experience in both the private and non-profit sectors. Her background includes decades of professional experience in the (Commonwealth of Virginia), a life-long public servant, volunteer, trainer, coach, mentor, and Designated School Official (DSO)-International.

She had many hats on throughout her life in the service industry, she is specializing in the development, implementation, and sales strategy. Agnes successfully leads and trained a sales force of over 2,000 loan originators across the Washington metro area for over 10 years.

She was voted-winner, “Outstanding Instructor Award of the Year” by the Fairfax County public school, Adult Education (ACE). She holds degrees in Business Administration, and Healthcare Management (MBA) -Summa cum laude.

A strong advocate for public access television and its role in enhancing community educational/relationships as well as providing training resources for local program. She is currently, Producer/Member** Fairfax and Falls Church Community Television Founder, Smart Credit for Young Adults (SCFYA), a non-profit foundation located in Falls Church, Virginia and Producer/Host for the Smart Credit Show (FCCTV- Chan 12) F.C, VA. The mission of Smart Credit for Young Adults (SCFYA) is to empower, educate, and motivate young adults and the community by teaching them on how to read and understand a credit report.

Agnes leadership has not gone unrecognized. She has been featured in several local newspapers in Fairfax County, Centreville Connection, and Falls Church News-Press, for her commitment in Youth Leadership, United Way Fund Drive, DC Special Olympics, served as Election Officer, Juror, and founder of the Senior Friendship Christmas Foundation (Since 1988, distributed over 3,000+ Xmas cards to area nursing homes) as a friendly visitor coordinator.

For Fun: “When she is not working, she enjoys traveling, cooking, music, dancing, and of course collecting hats” (own over 400+ hats).

Her positive can-do-attitude not only fulfills her qualification as a “Super Mum”, but as a Community Leader. Was married to an educator/professor 33+yrs. – has three sons – ages (40, 29 & 25).
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