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A 501(c)(3) Non-Profit Organization
Do More
With
Your Credit.
Learn to handle all credit circumstances with confidence.
Our Mission:
To help underserved communities, women and veterans achieve greater economic success through credit, financial, and housing education along with sustainable solutions to reflect changing lifestyles.
Do you face one of these situations?
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.
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.
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.
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.
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.
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.
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.
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
No matter where your credit stands, you can receive heartfelt, one-on-one counseling tailored just for you
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
Are you a first-time homebuyer or a current homeowner? Our in-depth education can benefit you.
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.
- Get more with your credit.
- Ensure your readiness to handle all credit circumstances with confidence.
- Call us and let’s get started
- Free-Friendly-No Obligation
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:
- Our services includes credit improvement, collection settlement, and personalized credit counseling.
- We work directly with the creditors and reporting agencies to help correct and update your report.
- We offer consumer budgeting and spending analysis, empowering you to make informed financial decisions.
- For struggling credit invisible clients, we help establish positive tradeline history, thereby opening avenues for a stable financial future.
- We proudly serve ITIN borrowers, ensuring no one is left behind in the pursuit of financial health.
- Finally, we provide all clients with accurate mortgage FICO scores each month, ensuring up-to-date credit status, for informed decision-making.
- We help you prepare for homeownership via Freddie Mac HomeCoach.
We are here to guide you every step of the way.
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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