A lot of people have very complicated educational histories. They may have taken classes at several different universities and colleges, taken some evening or summer-school classes, perhaps some company-sponsored seminars, some military training classes, and possibly had a whole raft of other informal learning experiences. They may have credits or degrees from school that have gone out of business, or whose records were destroyed by war or fire. When it comes time to present a cohesive educational past, it may mean assembling dozens of diverse transcripts, certificates, diplomas, job description, and the like, often into a rather large and unwieldy package. There is, happily, an ideal solution to this problem: the WES Credit Bank, to people anywhere in the world. The WES Credit Bank is an evaluation and transcript service for people who wish to consolidate their academic records, perhaps adding credit for non-academics career and learning experience (primarily through equivalency examinations). The Credit Bank issues a single widely accepted transcript on which all credit is listed in a simple, straightforward, and comprehensible form. The Credit Bank works like a money bank except that you deposit academic credits, as they are earned, whether through local courses, correspondence courses, equivalency exams, and so forth. There are seven basic categories of learning experience that can qualify to be “deposited” in a Credit Bank account, and of course various elements of these seven can be combined as well: