Manage Your Debt - Let's Explore Your Options

  GET STARTED NOW

Credit Report

Protect Yourself from Financial Institution Fraud

A recent headline from the Consumer Financial Protection Bureau (CFPB) has alerted consumers that another financial institution has been fined for, “Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customers.” This typically happens when financial institutions incentivize their employees to open new credit and loan accounts and to sell certain financial products. Find out how you can protect yourself.

8 Things That Won't Affect Your Credit Score

It's true that missing the due date on some of your bills will damage your credit score, but there are some financial transactions that don't have any effect, either good or bad.

Seven Things That Won't Affect Your Credit Score

It' s true that missing the due date on some of your bills will damage your credit score, but there are some financial transactions that don't have any effect, either good or bad.

Debt-to-Income Ratio: The Other Financial Health Metric

The DTI is the percentage of our income that goes toward paying our monthly debts. These ratios can often be overlooked as many people assume that a good credit score and income are the only two elements taken into consideration when seeking to purchase a home, car, or even to open a credit card. However, for many lenders, a good report and credit score are not enough to be considered a suitable candidate.

Credit Scores and Options for Free Credit Reports

This video covers difference in popular credit score models FICO and VantageScore and a quick overview of sites where you can obtain a free credit report or score.

Choosing Your Free Credit Report

It is always a good time to check your credit report, but which free source should you choose? Here is a list and some things to look for before you provide your personal information.

Mortgage, Credit, Debts and COVID-19 - Protect Your Finances

Many creditors are offering ways to avoid making payments during the COVID-19 pandemic, but is that the best for your finances? There are options for staying on top of bills during this time and avoid jeopardizing your future.

Keeping Up with the New FICO Score

A quick look at the new FICO score along with the other credit scores such as Vantage, that are available to consumers.

Credit Score Comparison: Two Models

A peek into the difference between a Vantage credit score and a FICO credit score.

Getting Out of Debt Success - John

A quick glimpse into one client's journey out of debt.

Call us at (888) 864-8548

and your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.