What is Credit Counseling? Credit Counseling is defined as a process used to assist debtors through education, spending plans and the use of a variety of resources. Credit counselors work to reduce or eliminate debt, empowering the client to move forward with their financial goals.
As a Certified Credit Counselor, my holistic approach to credit counseling provides me with the practical financial knowledge and effective counseling techniques to teach my clients how to considerably improve their financial well-being.
Our 2-Goal Client Goal Process:
Primary Goal: Improving credit score, exploring financial alternatives, improving overall financial health through coaching
Secondary Goal: Negotiating with creditors, exploring debt management plans and other options
Certified Credit Counsel, NACCC [Click to View Certification]
Society of Financial & Career Consulting Professionals
ALPHA PHI ALPHA FRATERNITY, INC.
US Black Chambers Inc
We work to get the negative entries on your credit report reclassified as “paid as agreed”, NOT deleted from your history. We turn your “late” payments into “on-time” payments by working directly with the credit agencies, not with automated software.
Simple enough. We get all of the documents we need from you to start negotiating your negatives with the three credit reporting agencies.
We manually challenge each of the negatives on your credit report with the credit reporting agencies. The agencies will usually respond to you within 45 days and you send us each document for further analysis.
If all of the negatives have not been removed, we contest them again with the credit reporting agencies. We will also explore the option of restructuring or recategorizing negatives to increase your score.
Once you have returned the documents you receive after the Second Cycle, we will contest any remaining negatives AGAIN. We explore every legal option we have to repair your credit and increase your credit score.
We are committed to providing the most comprehensive financial education information available to our clients.
Our continued credit educational services are aimed at providing clients with the tools they need to overcome any negative financial situations relating to the IRS, foreclosure, credit card charge offs and education loans, just to name a few.
Our singular goal is to help each client escalate to their highest financial abilities through credit restoration, education, and financial intelligence.
Our Mission is to heal the financially sick and ensure that others do not have to learn about credit the hard way. Learn More About Us
Our office is open Monday through Friday, 11:00 AM to 6:00 PM EST.
(646) 437-7165 | 122 West 27th Street, Floor 10, New York, NY 10001