Wednesday, September 17, 2008

Budget and Credit Services

Our certified staff counselors can help you manage your finances in a variety of ways.

Budget Counseling
If you've never created a budget before, we can help you prepare one to fit your income and lifestyle needs. If you already have a working budget, we may be able to point out ways to save money on your bills and ordinary expenses by becoming value conscious.

Credit Counseling
We can help you manage those credit card bills with a Debt Management Plan or other approach that can reduce interest rates and monthly payments. We can review your entire income, expense, and debt situation and help you find a solution that will create a balanced budget with manageable debt.

Credit Report Review and Repair
We can review your credit report or pull one from a major credit bureau and explain the content. For delinquent items, we can help your prioritize repayment of those debts to optimize your credit score or to help you qualify for a new loan. To get started, you can obtain your own credit report for free at annualcreditreport.com.

Financial Literacy
To reinforce the individual counseling sessions, we encourage clients to participate in our ongoing series of workshops for the community. We are currently offering a series titled MONEY: More for You ... and Less for Them. For more details, click here.