Free Credit Counseling
Are financial worries bogging you down? Is your bad credit score stopping you from planning your future? Instead of letting financial troubles make your life hell, consider getting free credit counseling from experts.
These are individuals who know the law like the back of their hand and their years of experience give them the wisdom to give you the right solutions. Credit counseling from experts can assist you in several ways, such as:
- Managing your finances
- Setting your future goals
- Paying down your debt
- Achieving peace of mind
- Give you a free review of credit report
- Design for you a personalized budget plan
- Free FICO Score
Whether you are planning to buy a home in near future, thinking about your retirement, or are simply overwhelmed by your poor credit score, credit counseling can help you achieve your financial goals.
How does free credit counseling work?
You will first need to request for free counseling online or over the phone. Meet your counselor on the agreed date and time on phone, online or face-to-face. At the beginning of the session, the counselor will ask you about your current financial situation, discuss your financial goals and review your credit score.
After analyzing your credit score, you along with your counselor will develop an action plan or budget plan that will help you achieve your goals. Your action plan may include a debt management program which will assist you in paying off your debts in a safe and convenient manner.
After the session with the counselor is over, most professionals will send you a copy of the agreed action plan. This may include a written overview of your existing financial condition, strategies, recommendations, and other valuable information. Once you receive all the details, it will be upon you to start working towards realizing your financial goals.
Your counselor may follow up with you by checking in after 5-7 working days to ensure that you are sticking to the agreed action plan. If you find yourself struggling to get a good start, you may always request the expert for a follow-up session. In the follow-up session, the counselor will give you encouragement, answer your queries and may be even adjust your current budget plan.
Do you need free credit counseling?
If you are wondering whether or not you are the right candidate for free credit counseling, then here are a few questions to help you decide:
- Are you living from paycheck to paycheck?
- Are you someone struggling to make ends meet, with no savings at all?
- Are you struggling to make monthly payments?
- Do you use credit cards because there’s no cash?
If your answer to the above questions are ‘Yes’ then you are without doubt the perfect candidate who needs counseling. The words of encourage and well thought advise offered by the counselors can help you get over your debts slowly, yet steadily. Once you are out of your debts, you will realize how easier life can be!
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