Credit & Budget Counseling
Looking for a safe way to get out of debt?
A debt management program might be right for you.
We know that understanding your credit score and the factors that impact it can seem like a difficult task. Our tools and services can improve your understanding and credit score.
Credit Report Review
Looking for a better understanding of your credit score?
Consider getting a credit report review.
Our certified professionals can assist you with obtaining a copy of your credit report. Your counselor can answer questions you may have and identify factors that are lowering your credit score, such as errors or fraud. The knowledge you will gain will enable you to take action to improve your credit score.
Credit Education/Financial Seminars
Credit education on financial issues is a major priority
To reach our goal of educating individuals and families before a problem occurs, CCCS offers several financial seminars and credit education courses. We provide presentations on:
- Budgeting
- Credit Cards (and other loans)
- Consumer Rights
- Establishing and Building A Better Credit Record
- Avoiding Predatory Lending
Frequently Asked Questions
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Credit scores are used for loans, car insurance, home owners insurance, rental property, and some Jobs.
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Many factors go into making up a credit score: payment history, amount owed, new credit, length of credit, and mix of credit.
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A creditor has one of four options. They can report to one, two or all three credit bureaus or they can report to none.
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If you took out a loan that did not pull your credit to give a loan, they most likely will not report a good payment history.
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There is an easy process that can be done to dispute anything on your credit report that is not yours. CCCS can help you.
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There are three major credit bureaus: Experian, Trans Union, and Equifax.
