Credit Counseling Services
What bad credit costs
Credit is a necessity. Whether it’s a mortgage, a car loan, or a credit card, good credit creates opportunities. Bad credit doesn’t. With today’s economic challenges, it is more important than ever to achieve and maintain a healthy credit score.
For those with bad credit, increased interest rates may further inflate their cost of living, making even small purchases seem difficult. A bad credit report can cost you thousands of dollars a year in overpaid interest, or can keep you from being approved for credit altogether.
It is easy to see the financial burden created by bad credit, but the real cost is more difficult to measure. Bad credit affects more than your finances, it can also attack your sense of security, and limit your personal freedom.
We take problematic credit reports seriously. We understand the applicable consumer protection laws, and we help our clients to leverage their legal rights so that their credit reports remain fair, accurate, and substantiated.
From bankruptcies, to charge-offs, to tax liens, we have challenged virtually every credit problem, doing work for our clients that resulted in millions of items being removed from their credit reports last year alone. Our years of experience in the credit repair field have helped many clients to turn their lives around.
Credit Counseling is not what many people believe it is. Effective, enduring credit counseling requires taking appropriate action with your creditors rather than simply creating ineffective disputes for credit bureaus.
We help our clients phrame the tough questions that they are legally entitled to ask, and we invoke several consumer protection statutes in our work to improve their lives.