We Help Everyone Become Debt Free Once and For All
CALL US NOW for a FREE phone consultation
We Help Everyone Become Debt Free Once and For All
CALL US NOW for a FREE phone consultation
700 Lavaca Street Suite 1488, Austin, TX 78701
Serving Austin, TX and the Surrounding Areas
INCREASE YOUR CREDIT SCORE BY DISCOVERING HOW TO RECOVEr FROM CREDIT AND DEBT PROBLEMS
RESTORE A RISING CREDIT SCORE
If you fear that enrolling in a debt management plan will ultimately hurt you because it indicates that you couldn't keep up with your payments, don't worry — DMPs play no role in FICO credit score calculations. What's more, because you're paying down your debt much more quickly, your rating should actually improve when you enroll in a debt management plan.
The main players in determining your credit worthiness, and ultimately your credit score
FICO is the chief credit rating firm in the U.S. It gathers information from reporting agencies like Equifax, Experian, and Transunion to assess your odds of repaying a loan. Key factors include payment history, total debt owed, and transaction ages. They then assign you a credit score - the higher the better.
Get a FREE credit report correction kit when you enroll in a DMP that will help you increase your credit score
Credit reports often contain errors, which adversely affect your credit score. Our credit report kit helps you obtain your reports for FREE , and provides forms and addresses for corrections. We'll describe 4 methods to fix errors you find, and suggest what specifics to include or exclude.
Steps you can take to keep your credit score strong
- Don't apply for credit that you don't really need
- Steadily pay off your debt, rather than move it to other accounts
- Keep balances low on credit cards and any revolving credit accounts
- Most important of all, pay the required minimums of your bills on time
All it takes is 1 phone call to take back your paycheck
- Stop collection calls
- Lower your interest rates
- Lower your monthly payments
- Stop late and over-limit fees
- Bring all credit accounts current
- Consolidate bills into 1 monthly payment
Your life-changing A+ rated, non profit debt counseling program at a glance
- Enroll in as little as 1 hour, handling details by phone and online
- No long term contracts — Your debt consolidation is a month to month voluntary program. You can cancel at any time.
- When you enroll in the program you can pick any date between the 1st and 28th of the month to make your one lower monthly payment
- Handle every transaction conveniently — over the phone and through email
- Add additional bills to your consolidation plan whenever you choose
- Enroll your collection accounts, credit cards, medical bills, department store cards, gas cards, repossessions, etc.
- Every penny that you pay is accounted for every single month. You receive a receipt for your consolidation payment, as well as a receipt from each of your creditors every month, so you know with certainty where every penny went
- Early prepayment is encouraged, never penalized
- Friendly, understanding professionals to help you get started
- You'll be happy to know that your debt counseling program is handled by a 501(c) (3) Non-profit organization with an A+ rating at the Better Business Bureau.
REPORTS AREN'T PERFECT
Incorrect entries can hurt your credit score — but you can't get a loan and improve it because you now have a poor score. Learn about the tools you need to correct errors on your reports.
Unsure why your number dropped? Call for answers to your credit score questions.
When you enroll, you will get a special phone number that you can give to your creditors if they call you. Simply tell them to call that number (instead of calling you) since you are now enrolled in a debt counseling program!
GETTING STARTED
IS AS EASY AS 1-2-3
1. CALL IN FOR FREE CONSUMER CREDIT COUNSELING RIGHT OVER THE PHONE. Find out your new low interest rates and how much interest you will save , find out how low your one monthly payment will be, find out your debt free date, and more! Your counselor and you create an affordable personal budget and action plan for success, all for FREE.
2. RECEIVE AN EMAIL (OR REGULAR U.S. MAIL), WHILE YOU ARE STILL ON THE PHONE. See your total savings and benefits, the complete list of creditors you are enrolling, along with your voluntary month to month Debt Management Plan agreement.
3. RETURN YOUR SIGNED PAPERS TO COMPLETE YOUR ENROLLMENT! Your counselor will help you complete the enrollment while you are still on the phone using DOCU-SIGN, where you electronically sign and then email back your papers (or send them back regular U.S. mail). Then, it’s official… you are now in the Debt Consolidation Program, and will be out of debt in a few years, instead of a few decades!
The whole process can be done in less than one hour, start to finish… SO CALL AND ENROLL TODAY!