Frequently Ask Questions
What is credit counseling?
Credit counseling is a process through which one speaks to a professional counselor in a bid to improve their poor credit. This is can be beneficial to those seeking to learn how to get out of debt as well as those who would want to prevent such scenarios. With credit counseling, you will be able to come up with a plan that allows you to manage your debts with a practical repayment plan. There are so many benefits that you can enjoy from professional credit counseling.
How much will I pay or credit counseling?
The amount of money paid will vary, depending on the specific services that you may need. We offer a wide range of services including credit repair, budgeting, financial planning as well as debt repayment plans. Our services are quite affordable and certainly worth the price.
How does credit counseling affect my credit score?
As you would realize credit counseling will not be included in your credit report and as such, it may not affect your credit score directly. However, since, you will learn a number of things and come up with debt repayment plans, this will, in the long run, improve your credit rating.
How do credit counseling sessions happen?
The general idea is to engage with a professional financial counselor. We have the options of face-to-face, telephone or online counseling. You can choose the option that suits you best. In most cases, the counseling happens over the phone and online, which gives you the convenience of being at the place that is convenient for you. However, we can also make arrangements for in-person sessions.
How much time is required for each counseling session?
Ideally, we set our counseling sessions to run for about an hour. However, this is not a strict rule as our objective is to see to it that our clients are served to their satisfaction. There are instances when we may take longer and in other cases, it takes only a couple of minutes. Our goal is to help you and not keep checking the clock.
What will I need to carry to the counseling session?
In the first meeting, we will require all documents that have relevant information. We will ask all the questions that we deem to be important and as such, it is important to carry as many supporting documents as possible. Some of the documents include credit card statements, bank statements, income statements and any other document that you may think of.
Will my credit be repaired?
Credit repair is one of the services that we offer, besides the counseling. During the counseling session, we will show you how to budget and pay back all the debts that you owe. This will go a long way in repairing your credit. You can also allow us to interrogate your credit report and check is all the information is accurate. After the sessions, you will be on the right track to improving your credit score.