How Credit Counseling Works

Your credit score is very important because it can determine your financial future. Moreover, your credit rating can affect whether or not you can obtain a mortgage, car loan, credit card, school loans, employment, etc. Lenders look at your report as an indication of how likely you are to make your payments and make them on time.

How It Works: How It Works

Credit Evaluation

First step is a full credit review. This will allow us to pinpoint the items on your credit report that might be affecting your score. Our credit analysts will give you a thorough review of your credit score line by line so we can find the best program for you.

Customized Credit Repair Plan

Once you have decided to proceed with our program your assigned credit expert will establish a plan to get your inaccurate and/or derogatory items removed from your credit reports in accordance with FCRA.

Send Us Any Correspondence

You will begin to receive correspondence from the credit reporting agencies (Equifax, TransUnion, and Experian) within the first 30-45 days. When you receive these emails please forward them to your assigned credit counselor immediately so they can be worked on.