Community Banks of Colorado is hosting a credit builder seminar featuring Kevin Kust, of Credit Climber, on Wednesday, Dec. 16 from 11:30 a.m. to 1 p.m. at the Vail Board of Realtors Conference Room, located in The Riverwalk at Edwards. A light lunch will be served, and RSVP is necessary. We will cover several subjects such as the five components of the FICO score, how much credit should a consumer have, how do bankruptcies affect scores, credit card debt, collection issues regarding credit scores, how to pay your bills to maximize your credit score and many other topics. Please join us and bring a friend, but please RSVP to firstname.lastname@example.org. This is free event.