Verified · Credit Policy

CLEP Credits at Evergreen State College (The)

Evergreen accepts 38 CLEP® exams for transferable college credit. Here's every exam, its minimum required score, and credit hours awarded — plus the other credit-by-exam and prior-learning pathways available at this university.

CLEP® · 38 ExamsNCCRS Member
How It Works

3 steps to earn
Evergreen credit via CLEP®.

Prep with TransferCredit
Pick your CLEP® subject. Our structured chapters and 500+ practice questions per course take you from zero to exam-ready in 4–8 weeks of part-time study.
Sit the CLEP® exam
90-minute exam at any College Board test center. Enter Evergreen's CLEP® code 4292 at registration — scores transmit to the Registrar automatically.
Credit posts to your transcript
Most students see credit on their Evergreen transcript within 2–4 weeks of exam transmission. No professor meetings, no final-paper panic — just credit.
The Exam List

Every CLEP® exam
Evergreen State College (The) accepts.

38 CLEP® exams organized by category, with the minimum score and credit hours awarded for each.

Note: These CLEP® scores and credit hours reflect the College Board standard. This institution is listed as accepting CLEP®, but specific minimum scores and credit awards were not published at the time of writing — verify with the Registrar before scheduling an exam.

Composition and Literature

6 exams · up to 18 credits
ExamMin ScoreCreditsPrep
American Literature603Start prep →
Analyzing and Interpreting Literature603Start prep →
College Composition603Start prep →
College Composition Modular603Start prep →
English Literature603Start prep →
Humanities603Start prep →

World Languages

8 exams · up to 24 credits
ExamMin ScoreCreditsPrep
French Language Level I603Start prep →
French Language Level II603Start prep →
German Language Level I603Start prep →
German Language Level II603Start prep →
Spanish Language Level I603Start prep →
Spanish Language Level II603Start prep →
Spanish with Writing Level I603Start prep →
Spanish with Writing Level II603Start prep →
✉️
See something outdated? CLEP® policies, minimum scores, and credit awards can change. If you spot a discrepancy with Evergreen State College (The)'s current policy, email team@transfercredit.org and we'll update this page.
What this is worth

5 exams at Evergreen State College (The), two ways

Evergreen State College (The) accepts 38 CLEP® exams. Here's what it costs to earn 15 of those credits in a classroom versus by exam.

In the classroom
$5,850
5 courses · about 75 weeks
15 credit hours$390/cr
PaceFixed semester
Books & feesExtra
vs
By CLEP® exam
$624
5 exams · study at your own pace
5 exam fees$475
Lifetime prep access$149
Same 15 creditsScore 60+
That's $5,226 you don't pay — for the same credits.

Based on a $390/credit-hour public university average. Your actual saving depends on Evergreen State College (The)'s tuition and how many exam credits it lets you apply toward your degree.

Plan prices cover TransferCredit.org prep only. The CLEP® exam fee (currently $95) is paid to College Board at registration, and test centres may add a sitting fee. Credit awards are always determined by Evergreen State College (The) — check the policy above before you test.

Beyond CLEP®

Evergreen is an
NCCRS member institution.

Evergreen is listed as an NCCRS member institution on nationalccrs.org. CLEP® isn't the only way to earn credit here — as an NCCRS member, Evergreen may also award credit for NCCRS-recommended coursework, and its Registrar often considers ACE-recommended coursework under the same prior-learning framework. Acceptance of any specific course is determined by the Registrar; confirm before enrolling.

ACE · American Council on Education
ACE Credit
ACE evaluates non-traditional learning — corporate training, workforce programs, credit-by-exam — and recommends equivalent college credit. CLEP® exams themselves are ACE-reviewed. Colleges that are ACE-aligned often accept ACE coursework in addition to CLEP®.
Source: acenet.edu
NCCRS · Evergreen is a Member
NCCRS Credit
The National College Credit Recommendation Service, administered by the University of the State of New York, reviews non-collegiate coursework and assigns college-equivalent credit. Evergreen is a listed NCCRS member, meaning NCCRS-recommended self-paced courses may count toward degree requirements.
Source: nationalccrs.org
How Your Credit Path Works

Two ways to earn credit.
Both count at Evergreen.

Most students pass their CLEP® on the first try. If you don't, your subscription unlocks the matching ACE/NCCRS self-paced course — with a retake-able final exam. Either route earns you transferable credit at Evergreen.

Watch how it works
📝
Step 1
Take your CLEP®
exam
Prep with chapters & 500+ questions
Outcome
Awaiting
result
Most students pass first try
🎟️
Safety Net
ACE/NCCRS
included
Self-paced · retake-able exam
Ready. Pass or not — you're covered.

NCCRS courses Evergreen may accept

Self-paced courses across the full gen-ed and major-requirement catalog. Each carries an official ACE or NCCRS credit recommendation — submitted to the Registrar like any transcript.

Evergreen is an NCCRS member institution per nationalccrs.org. Acceptance of specific courses is determined at the Registrar's discretion — confirm before enrolling.

Business & Accounting

20 courses · 60 credits
Managerial Accounting 3cr Financial Accounting 3cr Business Essentials 3cr Principles of Management 3cr Foundations of Leadership 3cr Leadership & Organizational Behavior 3cr Business Communication 3cr Business Ethics 3cr Leading Organizational Change 3cr Project Management 3cr Business Law 3cr International Business 3cr Human Resources Management 3cr Globalization & International Mgmt. 3cr Entrepreneurship 3cr Microeconomics 3cr Macroeconomics 3cr Principles of Finance 3cr Financial Management 3cr Principles of Marketing 3cr

English, Writing & Humanities

7 courses · 21 credits
Advanced Technical Writing 3cr English Composition I 3cr English Composition II 3cr College Writing 3cr Humanities 201: Critical Thinking 3cr Art History I 3cr Art History II 3cr

Mathematics

9 courses · 31 credits
Business Math 3cr College Algebra 3cr Pre-Calculus 3cr Calculus 1 4cr Calculus 2 4cr Calculus 3 4cr Discrete Mathematics 4cr Quantitative Analysis 3cr Principles of Statistics 3cr

Computer Science & IT

22 courses · 66 credits
Current Trends in CS & IT 3cr Computer Concepts & Applications 3cr Introduction to HTML & CSS 3cr Introduction to JavaScript 3cr Ethics in Technology 3cr Introduction to Networking 3cr Fundamentals of Information Technology 3cr Introduction to Linux 3cr Introduction to Java 3cr Programming in Python 3cr Introduction to Computing 3cr Programming in C 3cr Programming in C++ 3cr Data Structures & Algorithms 3cr Network & Systems Security 3cr Cybersecurity 3cr Database Fundamentals 3cr Software Engineering 3cr Introduction to Operating Systems 3cr Introduction to Artificial Intelligence 3cr Database Programming 3cr Systems Analysis & Design 3cr

Health Sciences

8 courses · 20 credits
Medical Terminology 3cr Healthcare Finance & Budgeting 3cr Healthcare Organization & Management 3cr HR Management in Healthcare 3cr Anatomy & Physiology I 3cr Anatomy & Physiology I Lab 1cr Anatomy & Physiology II 3cr Anatomy & Physiology II Lab 1cr

Natural Sciences

5 courses · 13 credits
Introduction to Biology 1 3cr Introduction to Biology 2 3cr Chemistry I 3cr Physics I 3cr Environmental Science 1cr

Psychology & Social Science

11 courses · 33 credits
Introduction to Psychology 3cr Research Methods in Psychology 3cr Psychology of Diversity 3cr Educational Psychology 3cr Abnormal Psychology 3cr Psychology of Personality 3cr Advanced Social Psychology 3cr Ethics in the Social Sciences 3cr Introduction to Sociology 3cr Introduction to Criminology 3cr Principles of Philosophy 3cr

History & Languages

3 courses · 9 credits
U.S. History I 3cr U.S. History II 3cr French Language I 3cr
Why TransferCredit.org

The prep tool built for
Evergreen's bar.

Evergreen's minimum CLEP® scores run 60. Generic flashcard apps aim for "passing." We're built for acing.

📖
Structured chapters & subchapters
Not flashcards. Every subject is broken into chapters and subchapters mapped directly to the College Board exam outline — you learn the material, not memorize trivia.
🎯
Readiness quizzes per topic
Short quizzes after each subchapter. Your readiness score tells you when you're actually ready for the target minimum — no guessing, no wasted exam fees.
500+ questions per course
Every subject ships with 500+ practice questions calibrated to real exam difficulty. Most students hit their target score in 4–8 weeks of part-time prep.
🛡️
ACE/NCCRS backup included
If CLEP® doesn't work out, your subscription unlocks the matching ACE/NCCRS course with a retake-able final exam.
Self-paced, no deadlines
Study on your schedule. Complete prep in 2 weeks or 12 — whatever works. Especially useful for adult learners, military, and working students.
💰
One subscription, every subject
Prep for 25+ CLEP® subjects under one plan. No per-course fees. At ~$29/mo vs. $300–600 per credit — the math is obvious.
Everything You Need

One subscription.
Everything unlocked.

📚
25+
CLEP® Subjects
College Board's most popular exams, covered in depth with official exam-outline alignment.
500+
Questions per course
Exam-calibrated practice tests with detailed explanations for every answer.
🎓
70+
ACE/NCCRS courses
Full catalog via partner — your CLEP® safety net and credit-direct path.
🧑‍🏫
Expert help
Subject-matter experts available when you're stuck on a concept or a question.
Student Reviews

50,000+ students.
Real results.

Hover to pause · updates daily

E
Elena R.
ACE · Globalization & Intl Management
★★★★★
Future international consultant. Material was actually intellectually interesting. ACE self-paced format let me go deep on topics I loved.
R
Reid C.
NCCRS · Marketing
★★★★★
Marketing manager. NCCRS course was basically a refresher. Took the final, scored well, credit posted. Entire process took 11 days.
A
Atlas K.
ACE · Project Management
★★★★★
Program manager at a tech company. ACE course was more comprehensive than any PMP prep I've done. Learned something new. Credit earned.
J
Jasper H.
CLEP® Humanities
★★★★★
Broadest exam I've taken. Art, music, philosophy, lit — all one test. Prep material covered it methodically. Passed with margin.
S
Sebastian N.
CLEP® College Composition Modular
★★★★★
The modular version skips the essay. Perfect for me — I test well but hate timed writing. Three credits, zero essay stress.
E
Everett H.
CLEP® Calculus
★★★★★
Engineering transfer. Needed the calc credit to match my target degree. Passed with 72 — well above their minimum of 60. Smooth.
A
Aria P.
CLEP® Spanish with Writing Level II
★★★★★
Bilingual background. The writing portion tripped me up honestly. Subscription had specific prep for written Spanish. Passed at 63.
A
Amanda F.
CLEP® Biology · Homeschool mom
★★★★★
Using this for my son's junior year. We're both learning actually. 500+ questions per course is no joke — you can really drill weak spots.
E
Elena R.
ACE · Globalization & Intl Management
★★★★★
Future international consultant. Material was actually intellectually interesting. ACE self-paced format let me go deep on topics I loved.
R
Reid C.
NCCRS · Marketing
★★★★★
Marketing manager. NCCRS course was basically a refresher. Took the final, scored well, credit posted. Entire process took 11 days.
A
Atlas K.
ACE · Project Management
★★★★★
Program manager at a tech company. ACE course was more comprehensive than any PMP prep I've done. Learned something new. Credit earned.
J
Jasper H.
CLEP® Humanities
★★★★★
Broadest exam I've taken. Art, music, philosophy, lit — all one test. Prep material covered it methodically. Passed with margin.
S
Sebastian N.
CLEP® College Composition Modular
★★★★★
The modular version skips the essay. Perfect for me — I test well but hate timed writing. Three credits, zero essay stress.
E
Everett H.
CLEP® Calculus
★★★★★
Engineering transfer. Needed the calc credit to match my target degree. Passed with 72 — well above their minimum of 60. Smooth.
A
Aria P.
CLEP® Spanish with Writing Level II
★★★★★
Bilingual background. The writing portion tripped me up honestly. Subscription had specific prep for written Spanish. Passed at 63.
A
Amanda F.
CLEP® Biology · Homeschool mom
★★★★★
Using this for my son's junior year. We're both learning actually. 500+ questions per course is no joke — you can really drill weak spots.
How TransferCredit.org Works

The policy,
in plain English.

We're credit-by-exam prep provider and offer ACE/NCCRS coursework via our partners — both pathways produce official records that feed into Evergreen's Registrar workflow like any other transcript.

The Product

What you get with TransferCredit

  • Structured prep content for 25+ CLEP® exams — chapters, subchapters, 500+ practice questions per subject
  • Access to 70+ ACE/NCCRS courses via partner network like UPIStudy — self-paced, retake-able final exam, no strict proctoring
  • Readiness tracker that tells you when to book the exam vs. keep prepping
  • Official transcripts issued through ACE Credit Registry (Credly) and NCCRS Official trnascript issued via the provider — same format any U.S. college accepts
  • Pass-or-pivot safety net — a CLEP® setback converts into access to the matching ACE/NCCRS course
The Transfer

How credit reaches Evergreen

  • CLEP® path: Enter Evergreen's code 4292 at test registration — College Board transmits scores directly to the Registrar
  • DSST path: Same mechanism using DSST code (confirm with Registrar)
  • NCCRS path: Complete the course, we issue an official NCCRS transcript, you submit it to the Registrar
  • Consolidation option: ACE/NCCRS credits can be merged into one transcript via Excelsior University's OneTranscript service
  • Credit typically posts 2–4 weeks after the Registrar receives your score or transcript
Which Pathway For You

CLEP®, ACE/NCCRS,
or community college?

Three legitimate ways to earn Evergreen credit without sitting in a 15-week university classroom. Here's the honest comparison.

⚡ Fastest
🎯
CLEP® Exam
Format90-min exam
Time to credit4–8 weeks prep
Cost$93 exam + prep
Evergreen acceptsYes · 38 subjects
RiskSingle high-stakes exam
Best for: Confident test-takers who want fastest turnaround and lowest cost per credit.
📖
ACE/NCCRS Course
FormatSelf-paced + retake-able final
Time to credit2–6 weeks / course
CostIncluded in subscription
Evergreen acceptsYes · Cooperating College
RiskLow · unlimited retakes
Best for: Students who prefer structured learning over high-stakes exams, or who didn't pass a CLEP® first try.
🏫
Community College
Format15-week semester
Time to credit4–6 months
Cost$300–600 per credit
Evergreen acceptsUsually · articulation agreements
RiskLow · familiar format
Best for: Students who want a traditional classroom experience and are not time-constrained.
About Evergreen State College (The)

Evergreen
in brief.

The Evergreen State College is a public liberal arts college in Olympia, Washington, in the Pacific Northwest. It is known for its interdisciplinary approach to undergraduate education and for offering a campus experience centered on close faculty-student collaboration. The college serves students in a setting near the state capital and the southern end of Puget Sound.

Evergreen emphasizes interdisciplinary study, narrative evaluation, and self-designed academic pathways rather than a traditional major-and-grade structure. Its academic offerings include undergraduate programs across the arts, humanities, social sciences, natural sciences, and environmental studies, along with graduate study in selected areas. The college is often associated with experiential learning, project-based work, and individualized academic planning.

For CLEP and transfer-credit purposes, Evergreen is a college where credit acceptance is determined by institutional policy rather than by a universal statewide rule. Students considering CLEP or other prior-learning credit should verify in advance whether the specific exam or course aligns with Evergreen's current transfer-credit guidelines. Because Evergreen uses distinctive academic structures, students should expect credit review to be program- and context-specific.

Credit evaluation at Evergreen is handled through the college's registrar and academic records processes. Incoming transfer work is typically reviewed for applicability to degree requirements, and students should consult official advising and registrar resources before relying on outside credit. As with any college, the final decision on how credit is posted and applied rests with the institution.

38
CLEP® Exams Accepted
2
Credit Pathways
114
Max CLEP® Credits
Quick Highlights
  • Public liberal arts college located in Olympia, Washington
  • Interdisciplinary curriculum with flexible academic pathways
  • Experiential learning is a central part of the academic model
  • Transfer and CLEP credit are reviewed through institutional policy
  • Regionally accredited by the Northwest Commission on Colleges and Universities
FAQ

Questions, answered.

How many CLEP® exams does Evergreen State College (The) accept?
Evergreen State College (The) accepts 38 CLEP® exams for college credit across Business, Composition and Literature, History and Social Sciences, Science and Mathematics, and World Languages.
What minimum CLEP® score does Evergreen require?
Evergreen requires minimum CLEP® scores in the range of 60 depending on the exam. The standard ACE-recommended passing score for CLEP® is 50.
How do I send my CLEP® score to Evergreen State College (The)?
Enter Evergreen's institution code 4292 when registering for your CLEP® exam. Scores transmit automatically to the Registrar.
How many CLEP® credits can I apply toward my Evergreen degree?
Most undergraduate programs cap credit-by-exam at approximately 30 semester hours. Confirm program-specific caps with the Registrar.
Does Evergreen accept DSST exams?
DSST acceptance at Evergreen is not confirmed in our dataset. Contact the Registrar for current policy.
Is Evergreen an NCCRS member institution?
Yes. Evergreen is listed as an NCCRS member institution on nationalccrs.org.
How long does it take to earn CLEP® credit at Evergreen?
Most students prep 4–8 weeks per exam. The CLEP® itself is 90 minutes. Credit typically posts to your transcript 2–4 weeks after transmission.
What if I don't pass my CLEP® exam on the first try?
You can retake CLEP® after 3 months. With a TransferCredit.org subscription, you can also pivot to the matching ACE/NCCRS self-paced course with retake-able finals.
CLEP® exam details — Business (5 exams)
Does Evergreen accept CLEP® Financial Accounting?
Yes. Evergreen accepts the CLEP® Financial Accounting exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Information Systems?
Yes. Evergreen accepts the CLEP® Information Systems exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Introductory Business Law?
Yes. Evergreen accepts the CLEP® Introductory Business Law exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Principles of Management?
Yes. Evergreen accepts the CLEP® Principles of Management exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Principles of Marketing?
Yes. Evergreen accepts the CLEP® Principles of Marketing exam for 3 college credits, with a minimum required score of 60.
CLEP® exam details — Composition and Literature (6 exams)
Does Evergreen accept CLEP® American Literature?
Yes. Evergreen accepts the CLEP® American Literature exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Analyzing and Interpreting Literature?
Yes. Evergreen accepts the CLEP® Analyzing and Interpreting Literature exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® College Composition?
Yes. Evergreen accepts the CLEP® College Composition exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® College Composition Modular?
Yes. Evergreen accepts the CLEP® College Composition Modular exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® English Literature?
Yes. Evergreen accepts the CLEP® English Literature exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Humanities?
Yes. Evergreen accepts the CLEP® Humanities exam for 3 college credits, with a minimum required score of 60.
CLEP® exam details — History and Social Sciences (12 exams)
Does Evergreen accept CLEP® American Government?
Yes. Evergreen accepts the CLEP® American Government exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® History of the United States I: Early Colonization to 1877?
Yes. Evergreen accepts the CLEP® History of the United States I: Early Colonization to 1877 exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® History of the United States II: 1865 to the Present?
Yes. Evergreen accepts the CLEP® History of the United States II: 1865 to the Present exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Human Growth and Development?
Yes. Evergreen accepts the CLEP® Human Growth and Development exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Introduction to Educational Psychology?
Yes. Evergreen accepts the CLEP® Introduction to Educational Psychology exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Introductory Psychology?
Yes. Evergreen accepts the CLEP® Introductory Psychology exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Introductory Sociology?
Yes. Evergreen accepts the CLEP® Introductory Sociology exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Principles of Macroeconomics?
Yes. Evergreen accepts the CLEP® Principles of Macroeconomics exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Principles of Microeconomics?
Yes. Evergreen accepts the CLEP® Principles of Microeconomics exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Social Sciences and History?
Yes. Evergreen accepts the CLEP® Social Sciences and History exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Western Civilization I: Ancient Near East to 1648?
Yes. Evergreen accepts the CLEP® Western Civilization I: Ancient Near East to 1648 exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Western Civilization II: 1648 to the Present?
Yes. Evergreen accepts the CLEP® Western Civilization II: 1648 to the Present exam for 3 college credits, with a minimum required score of 60.
CLEP® exam details — Science and Mathematics (7 exams)
Does Evergreen accept CLEP® Biology?
Yes. Evergreen accepts the CLEP® Biology exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Calculus?
Yes. Evergreen accepts the CLEP® Calculus exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Chemistry?
Yes. Evergreen accepts the CLEP® Chemistry exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® College Algebra?
Yes. Evergreen accepts the CLEP® College Algebra exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® College Mathematics?
Yes. Evergreen accepts the CLEP® College Mathematics exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Natural Sciences?
Yes. Evergreen accepts the CLEP® Natural Sciences exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Precalculus?
Yes. Evergreen accepts the CLEP® Precalculus exam for 3 college credits, with a minimum required score of 60.
CLEP® exam details — World Languages (8 exams)
Does Evergreen accept CLEP® French Language Level I?
Yes. Evergreen accepts the CLEP® French Language Level I exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® French Language Level II?
Yes. Evergreen accepts the CLEP® French Language Level II exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® German Language Level I?
Yes. Evergreen accepts the CLEP® German Language Level I exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® German Language Level II?
Yes. Evergreen accepts the CLEP® German Language Level II exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Spanish Language Level I?
Yes. Evergreen accepts the CLEP® Spanish Language Level I exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Spanish Language Level II?
Yes. Evergreen accepts the CLEP® Spanish Language Level II exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Spanish with Writing Level I?
Yes. Evergreen accepts the CLEP® Spanish with Writing Level I exam for 3 college credits, with a minimum required score of 60.
Does Evergreen accept CLEP® Spanish with Writing Level II?
Yes. Evergreen accepts the CLEP® Spanish with Writing Level II exam for 3 college credits, with a minimum required score of 60.
Start Today

Your Evergreen credit,
in weeks not semesters.

One subscription. 25+ CLEP® subjects for prep. 70+ ACE/NCCRS courses via partner. Pass-or-pivot safety net. Start your trial today.

TransferCredit.org is an independent education service, not affiliated with or endorsed by Evergreen State College (The). CLEP® is a registered trademark of the College Board. DSST is a registered trademark of Prometric. Credit policy facts verified at time of writing; always confirm current policy with the Registrar.