We have developed a four-stage consultation that will help you get your credit back on track. Together we will work out a budget to fit your needs and goals. Again, all credit counseling is free and confidential.
What is Credit Consultation Purposes?
Credit counseling is commonly a process that is used to help individual debtors with debt settlement through education, budgeting and the use of a variety of tools with the goal to reduce and ultimately eliminate debt.
Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor's ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees. Regulations on credit counseling and Credit counseling agencies varies by country and sometimes within regions of the countries themselves.
Credit Consultation Overview
Credit Consulting #1
First each client will be emailed links explaining what exactly is credit, the most common misconceptions concerning credit, and a link on how to obtain ones FICO credit score for free (lol, really free, like $0).
Credit Consulting #2
Here each client will be emailed links for the recent credit card promotions, which include things like cash rewards, free flights, and better terms of service.
Credit Consulting #3
Clients will create a chart of importance emphasizing what aspects of a credit card are most important to them, and suggestions and recommendations from credit professionals will be privately emailed to each client after their chart is completed.
Credit Consulting #4
For this session the focus will be long term leveraging strategies which will allow the credit cards to work for you rather that you working for them. The discipline of implementing and continuing these strategies is very important and will be discussed further in this consulting session.