Starting Now

Do More
With
Your Credit.

Learn to handle all credit circumstances with confidence.

Starting Now Corporation:

Starting Now  is a dynamic and impactful 501(c)(3) nonprofit, proudly founded in 2017 and rooted in the vibrant community of South Florida. Our mission is transformative: We empower underserved communities—including low-to-moderate-income individuals, minorities, immigrants, women, and veterans—to break down barriers and achieve financial stability and long-term economic success.

As a MINORITY woman-led powerhouse, we embody the values of diversity and inclusion, ensuring that our work not only talks the talk but walks the walk. We are passionately committed to delivering personalized credit counseling, financial education, and housing counseling services that truly change lives.

But our impact doesn’t stop at the borders of South Florida—we’re making waves nationwide! Through powerful partnerships we are proud to offer subsidized program enrollment, making our life-changing services even more accessible to those who need them most.

Our Vision? To open the doors of financial literacy and stability to everyone, with a special focus on historically underserved communities. We are on a mission to ensure that no one is left behind in the pursuit of financial empowerment.

Do you face one of these situations?

Mortgage Approval

One of the most significant investments people make is purchasing a home. Lenders scrutinize credit scores and history before offering a mortgage. A poor credit score can lead to higher interest rates or outright denial.

Renting an Apartment

 Landlords and property management companies often check credit scores of potential tenants. A poor score can result in declined applications, higher security deposits, or the need for a co-signer.

Securing a Car Loan

For many, owning a car is essential for work or daily life. Auto lenders look at credit scores to determine interest rates and whether they’ll approve the loan at all. 

Employment Opportunities

EG:  Military advancement. Some employers, especially in financial sectors or those requiring security clearances, may conduct credit checks as part of their hiring process. A poor credit score might be seen as a sign of financial irresponsibility and could impact hiring decisions. 

Starting a Business

Entrepreneurs seeking business loans or lines of credit will find that their personal credit scores often play a role in a lender’s decision, especially for new businesses without a proven track record. 

Access to Credit Cards

Credit cards are not just for spending; they’re tools for building credit, earning rewards, and managing cash flow. With poor credit, one might be limited to secured cards with lower limits and fewer benefits. In all these situations, having at least passable credit can make the difference between reaching one’s goals and facing significant obstacles.

Single parent trying to rebuild

Credit can significantly impact a single parent’s financial situation with high-interest rates, difficulty getting approved for loans, difficulty renting, higher insurance premiums, difficulty getting a job, limited emergency funds debt cycle.  Dealing with poor credit and the associated financial difficulties can lead to significant stress and anxiety, impacting a single parent’s well-being and ability to care for their children. 

Major life changing events such as marriage, divorce, etc.

Events like marriage or divorce can significantly impact credit and financial well-being.  In marriage, joint accounts or shared debts can negatively affect both individuals’ credit scores if one partner mismanages finances. In a divorce, the division of assets and debts can be impactful. Life-changing events can be emotionally stressful, impacting your ability to make sound financial decisions, leading to impulsive spending, missed payments, or neglecting financial responsibilities. 

Services

Our 501(c)(3) non profit agency helps you achieve financial stability. Starting Now services include: credit counseling, housing counseling, homebuyer education, and financial education. By working with us, you will gain personalized guidance to manage your debts, improve your score, and make informed decisions about homeownership. Our educational programs empower you with the knowledge and skills needed to build a secure financial future and attain your financial goals.
Credit Counseling

Credit Counseling

No matter where your credit stands, you can receive heartfelt, one-on-one counseling tailored just for you

Housing Counseling

Housing Counseling

Looking to purchase a home and don't know where to start? This is our Mortgage Ready Program to get you ready for homebuying.

Homebuyer Education

Homebuyer Education

Are you a first-time homebuyer or a current homeowner? Our in-depth education can benefit you.

Financial Education

Financial Education

Besides credit and housing counseling, you can also learn to manage other aspects of your personal finances. Moreover, our program allows you to learn at your own pace.

Here's the Good News...

You don't need to try and do it alone.

Achieving greater economic success is difficult, especially when you have poor credit. Furthermore, dealing with a low score and facing personal challenges can make it seem impossible. Nonetheless, you are determined to find sustainable solutions and, ultimately, transform your life.

Stressed by credit

Why Choose Us?

We are a unique 501(c)3 nonprofit agency that's committed to meeting and exceeding your expectations. Anchored in a foundation of trust and reliability, we pledge to adhere to the highest levels of compliance across all our operations.

Founded by Industry Veterans

Along with our founding consumer advocacy credit connoisseurs, we embody a shared vision that combines in-depth industry knowledge and a firm belief in the rights of the consumer.

Revolutionized Credit Improvement

We offer a credit improvement process that leverages cutting-edge technology and compliant verification processes. We ensure our methods don't conflict with mortgage underwriting guidelines, creating a seamless experience for our clients.

Monthly Personalized Credit Counseling

Here, you'll have direct access to a dedicated counselor who will create a strategic action plan tailored to your unique credit fingerprint. This ensures a personalized approach to your credit improvement journey.

Collection Settlement Services

Our focus is two-fold: to enhance your FICO score for all of life's financial necessities and to align with mortgage approval criteria, ensuring a holistic improvement in your financial position.

Here's how we can help:

We are here to guide you every step of the way.

Journey to financial stability

Client Testimonials

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“A review from a client who benefited from your product. Reviews can be a highly effective way of establishing credibility and increasing your company's reputation.”
Client name
“A review from a client who benefited from your product. Reviews can be a highly effective way of establishing credibility and increasing your company's reputation.”
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