First,  Credit Counseling is not the same as credit repair.  Credit Counseling involves the following:

1 – Having us run a credit report from all three bureaus that include credit scores.

2 – Reviewing the Report and looking at all the alternatives available to optimize   

     one’s  credit – considering the time requirements involved to and costs.

3 – Having a plan of action to accomplish objectives with timetables and check

     points to measure progress.  

4 – Moving into Credit Repair if it is appropriate.

5 – The Fee for this Service is $125.00 -  This  Fee does not include the cost of 

        “What If Scenarios”  to improve one’s score by  a specific number of points or requesting  re-scoring from one of the bureaus when changes have been made that are not yet reflected on the credit report.  The cost for these additional services will vary by the number of trade lines involved and the speed needed

to have the re-scoring done.

6 – This service can be rendered by phone or in our office.  US Residents Only!

You should be aware that improving your credit can open doors that are shut tight for those whose credit is bad or ugly.  Did you know that your credit can help you make money by using other peoples’ money?  It is a matter of planning and taking the correct steps -  being proactive is the by-word!

Below you will find general information on how to improve your credit.  For specific information and assistance regarding your situation please contact us directly.

A combination of things can be initiated to help improve one's credit. The following are a few:

§         Quit buying things on credit.  Adopt a new philosophy. If  you can't pay cash you can't play...end of story.

§         Pay your present commitments on time. Your # 1 on time commitment should be your housing costs (i.e. house payment or rent.)  

§         Always pay your rent by check as a canceled check is your best method of proving up on-time housing history.

§         Medical charges not covered by insurance are a lower priority than timely credit card payments.

§         Close accounts that have a zero balance.  Open zero balance accounts affect your credit negatively.

§         Use a home equity loan or other type of real estate loan to pay off all consumer debt.  Interest on real estate is tax deductible.  This is NOT so on consumer interest.  Remember real estate you borrow on can be someone else’s - like a relative!!

§         Use a debt roll-up program to reduce & eliminate debt fast & efficiently.

§         If you are in no hurry bad credit history becomes better with time, especially if you start paying your obligations on time. You could walk away from your debts in most cases with the only action taken against you a black mark so to speak on your credit.  With enough time under your belt - normally after 7 years the bad stuff stops getting reported.

For specific help call us with your questions. We will always let you know how much it will cost before you proceed.