The world seems to run on credit nowadays. Many of us have school, car and even home loans. And we likely all have one or more credit cards in our wallet. The problem is we don’t give credit the amount of thought we should. At its best, credit can help us manage our financial lives. At its worst, it can get us into serious financial trouble.
Your credit history is something that stays with you for a long time and can impact everything from buying a car to getting a job. The better your credit history, the more likely you’ll be able to obtain the financing you need at favorable terms. So needless to say, having good credit is of great importance.
For example, in order to qualify for most mortgage programs, applicants must have a credit score of 640 or higher from all three credit-reporting agencies. (Experian, Transunion, and Equifax)
With so many individuals facing credit and financial obstacles, the Centre for Homeownership has developed a Free Counseling Program to assist you in rebuilding and maintaining your credit.
You will have a personal credit coach that will assist you with achieving your credit and financial goals.
- Copy of your Credit Report including “Score”
- Free Credit Analysis
- Monthly Individual Coaching Session with a Certified Credit Counselor
- Step-by-Step dispute process for removing negative items on your credit profile
- Step-by-Step rebuild process for increasing your credit profile
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