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Our Accredited Financial Counselors receive certification to provide counseling toward a wide variety of credit and debt needs. Speaking to a credit professional can provide a wealth of information about your credit status and subsequent opportunities. Whether you are looking to establish, build or resurrect your credit, our skilled counselors are on hand to help you decide how to reach your goals.
Obtaining Credit
A limited credit history can make it difficult to buy a car or to connect new cellular phone service. Even hooking up home utilities may require a deposit without an established credit history. A little guidance now can put you on the right track toward building an extensive credit history without experiencing the pitfalls of predatory lending and other consumer traps.
Improving Credit
Sometimes life’s emergencies can cause credit problems that take years to correct. Even debt loads that were manageable before can become an overwhelming burden. Falling behind on payments will damage your credit rating. Fiscal Progress is not a credit repair company. What we will help you with is to discover how to gain control of your financial situation, deal with negative credit information and move toward rebuilding your credit.
The Fair and Accurate Credit Transactions (FACT) Act allows you to receive up to 3 free credit reports annually. There is an extra charge if you also request a credit score. The only ways that you can receive your free reports are to visit www.annualcreditreport.com, call (877) 322-8228 or complete the Credit Report Request Form and mail it to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.
Fiscal Progress also offers free credit report review sessions. Call (919) 719-1750 to schedule an appointment with a Certified Credit Report Reviewer. These sessions typically last 45 minutes. If you are pondering homeownerhip, an Accredited Financial Counselor can help you pull credit reports and scores at no cost to you.
Debt Management
There are many options frequently available for solving debt problems. While a debt management plan can be a good solution for many consumers facing financial distress, it is not for everyone. Our organization focuses on the other alternatives that you may have available to reverse a mounting debt situation.
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