Credit Restoration
We focus on:
- Providing tools and resources for our clients to use to improve their credit scores and maintain good credit for life.
- Educating our clients about the do’s and don’ts of purchasing a home and obtaining a mortgage.
- Ensuring our clients understand the laws which protect them from unlawful debt collection practices.
- Rebuilding/restructuring credit reporting by enhancing and guiding the behavior which the three major credit reporting agencies look for in order to redefine credit scores.
- Navigating our clients toward making sound decisions that will ensure financial success and steering them away from creating negative equity financial situations that may tarnish their credit.
- Providing our clients with tips and shortcuts that will continue to reduce debt and increase credit scores through an understanding of how daily interest rates can affect principle and balance payoffs.
- Supplying our clients with knowledge to create financially sound budgets using formulas and worksheets that will enable them to start a business, start a family and plan for retirement.
Credit Education
We focus on:
- Making sure you know your rights with regard to debt collection practices.
- Helping our clients rebuild their credit reports by teaching them the positive behaviors the three major credit reporting agencies look for when re-evaluating credit scores.
- Giving you time-tested tips and tricks around how daily interest rates can affect principle and balance payoffs that will continue to shrink your debt and increase your credit scores.
- Giving you useful budgeting formulas and worksheets that will get you on track to start a business, start a family, save for college, or plan for retirement.
- Helping to steer you away from choices that create negative equity and may adversely affect your credit.
- Giving you updated, easy to use resources and tools designed to protect you in the event of financial hardship.
Individual and Group Debt Management
A key component to finally fixing your credit is finding ways to manage and reduce your existing debt.
Enrolling in a Debt Management Plan is not the only option when it comes to paying off your balances for good. In fact, enrolling in a Debt Management Plan (DMP) can actually lower your credit rating even further.
As an alternative, we focus on developing your own debt management plan — one totally customized to your needs — so that you can feel confident in your growing money management skills.
First, we’ll need to break down the types of credit you have and to understand how each can be managed, whether it’s a mortgage, student loan, car loan, or consumer credit card debt.
Next, we’ll work together to establish a realistic budget that covers your living expenses AND enables you to start paying down your debts.
And for the final step, we’ll review your credit report and see where improvements can be made. This way, you can see the tangible effects of all your hard work!
Financial Coaching
Evaluation
Your Financial State Isn’t As Bad As You Think – Consumers usually think their situation is beyond repair, but it’s hard to be objective when you’re in the thick of it. We will dissect your current situation and give a sound diagnosis for a path to financial security.
Planning
Creating a Budget – Budgets are key to the success of long-lasting prosperity. A well-planned budget can put your financial picture into focus and build a framework for moving beyond the cycle of debt. Itemizing your bills in detail allows you to clearly see how much income you need to live on and how much you can dedicate to debt elimination and wealth building. We can help you go on a successful “financial diet.”
Restoration
Negotiating with Collection Agencies – Collection agencies frequently attempt to collect debts past the statute of limitation. These debts can be challenged legally and then forgiven, without further harm to your credit. We’ll teach you how to talk to collection agencies and how to best respond to their phone calls and letters.
Maintenance
Creating a Long-Term Plan for Financial Success – We will help you understand how interest works and how to adjust your budget as your situation improves. Over time, you will be able to leverage your credit to build asset instead of liabilities, helping you grow your wealth and build a secure financial future.