Debt Settlement Loan

Strategies For Managing Your Credit Report and Credit Score After or During Bankruptcy

If you've filed for bankruptcy, discover the effect it can have on your credit report, credit score and request for new credit. We will also explain how to manage your credit, and what to expect as a result of having filed for bankruptcy.

Understanding Your Credit Score

This article will give you a clear explanation of a credit score and how managing your finances will determine your costs to borrow money, plus valuable resources to help you learn more.

This counseling and the subsequent certificate can be received by telephone and online — in both English and Spanish. CredAbility’s counselors are available nationwide, 24/7.

To begin pre-filing bankruptcy counseling, call 800.251.2227 to schedule a telephone or in person appointment or click on the green "Start an online session" button above.

How to Prepare for your Counseling Session

We strongly recommend that you watch this video to understand what documents you will need to have available, and how to get the most value from your counseling session.

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Debt Management Plans Pros and Cons

Getting smarter about money today will help you make better financial decisions tomorrow. So, welcome to CredAbility U. Our online courses come in a variety of convenient formats. 

You'll also have access to expert tips, tools, calculators and more.

No matter what your financial situation, we can help you move forward with confidence. Class is in session. Let's get financially smart!

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

Making a Five Year Plan

Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

read more at Debt Management Plans Pros and Cons

Debt Management Plan Pros and Cons

Common Options for Dealing with a Financial Crisis

During this critical time, it is important to remember that bankruptcy is not your only option. From enrolling in a DMP and negotiating to using assets for consolidation, you will examine several alternatives.

After your session, our support continues with free debt advice and online assistance in everything from how to pay down debt to strategies for successful credit management and how to read a credit report. As always, our reprentatives are here 24/7 to help you build a brighter financial future.

We understand that, because we've helped thousands of people just like you. And we're here to help you take your next steps with confidence and hope.

Our certified counselors will help you review your budget and debts, discuss your options, and share a list of education resources on a wide range of credit management topics that you can take online, 24/7.

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Debt Management Online

Conquering Credit Challenges
Each of us has a responsibility to manage spending. You will learn how to get the right reports from credit bureaus, interpret your credit report, understand the costs of using credit and work with your creditors.

Fair Credit Reporting
In this article, you will find out how to get free copies of your credit report, while ensuring its accuracy, privacy and your rights under federal law.

Every situation is unique, but we can help you better understand the foreclosure process and the paths that may be open to you. We can also connect you with your lender to help maintain the communications link so important before and during the foreclosure process. Afterwards, you’ll receive an action plan to help you get back on track.

If you’re facing foreclosure, you’re not alone. Let CredAbility help you determine potential alternatives to the foreclosure process such a mortgage modification or other options.

Begin a foreclosure prevention counseling session today, or call us at 800.251.2227 to schedule an appointment.

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Debt Management Online

Fair Debt Collection

If you are behind on paying credit cards, personal loans or a home mortgage, this article will explain the laws governing debt collection, so you will know how to be treated fairly, honestly and legally.

Importance of Saving

Listen as our CredAbilityU experts discuss the importance of saving and tips to keep you on track

Every situation is unique, but we can help you better understand the foreclosure process and the paths that may be open to you. We can also connect you with your lender to help maintain the communications link so important before and during the foreclosure process. Afterwards, you’ll receive an action plan to help you get back on track.

If you’re facing foreclosure, you’re not alone. Let CredAbility help you determine potential alternatives to the foreclosure process such a mortgage modification or other options.

Begin a foreclosure prevention counseling session today, or call us at 800.251.2227 to schedule an appointment.

read more at Debt Management Online

Debt Management Credit Counselor

Know the Score: Understanding and Improving Your Credit Score

We will explore the importance of a credit score and how it can affect your financial life. You will learn the five critical factors that determine your number, how to deal with errors and tips that may help you increase your score.

Making a Five Year Plan

Listen as our CredAbilityU experts discuss financial tips on making a five year plan and more importantly how and why you should do it.

Your counseling session is completely confidential. We do not report the information to your creditors or your credit report.

Free Budget Planning Session, No Obligation

During a counseling session, you and your counselor will go over your current budget, including any money owed such as debt from credit cards, medical bills, student loans, car loans and all others. Afterwards, you will receive a written summary including an action plan to move forward. You are under no obligation to take any of the debt advice or recommended credit management steps.

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Debt Management Credit Counseling Corp

New Resources on CredAbilityU

Listen as our CredAbilityU experts discuss a variety of free resources that can assist you with your personal financial goals.

Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. Many who come to us for advice are facing overwhelming credit card debt and other obligations such as student loans, car loans, payday loans and more. We take a holistic approach, taking into account all of your expenses, and making sure the budget planning advice you receive from us is personalized to your individual needs.

CredAbility has provided nonprofit credit counseling services to millions of consumers since 1964. Our counselors are certified by the National Foundation for Credit Counseling (NFCC,) which means they meet exacting ethical, educational and counseling standards. CredAbility is also a Department of Housing and Urban development-approved counseling provider. 

During a budget planning session, you and your counselor will go over your current income and expenses including credit card debt, medical debt, student loans, car loans and any other that may be owed. Afterwards, you will receive a written summary including a recommended action plan. You are under no obligation to take any of the recommended steps. Your budget planning session is completely confidential. We do not report the information to your creditors or your credit report.

read more at Debt Management Credit Counseling Corp