Credit Counseling

Credit history is a record of a borrower’s responsible repayment of debts. A credit report is a record of a borrower’s credit history from a number of sources, including banks, credit card companies, collection agencies, and governments. A credit score is a three-digit range between 350 and 850 intended to predict an individual’s creditworthiness or how likely they are to repay debt.

How can we help? / Credit Counseling

We are here to help you understand and build your credit.

Understanding and managing your credit doesn’t have to be stressful. Our trained and certified credit counselors are ready to help you understand your credit score and history and what they mean. We guide and coach individuals, seniors, and families at all income levels to understand and make the most of their credit. Credit counseling can help you build or rebuild your credit, achieve goals like buying a car or a home, or simply enjoy the peace of mind that comes with good credit.

We guide and coach individuals, seniors, and families at all income levels to develop the skills to understand and manage their credit. With a practical plan tailored to personal circumstances, anyone can set and achieve positive financial goals.

Five Factors Affecting Your Credit Score

The factors listed below each have an impact on your credit score. The percentages for each factor show how big of an impact that factor has on your overall score.

  • 1. Payment History 35% 35%

Have you paid your bills on time? And if not, how late were you? When were you late and how often?

  • 2. Amount Owed 30% 30%

How much do you owe on each account, and how much of your credit limit have you used?

  • 3. Credit History 15% 15%

How long have you had each account?

  • 4. Types of Credit 10% 10%

What kind of debts do you have?

  • 5. New Credit 10% 10%

How many credit requests have you made and how many reports have been pulled on you?

Need help now? Get in touch.

(336) 896-1191 (local)

1-888-474-8015 (toll free)

info@financialpaths.org
Links and Resources

Credit Counseling Services

Credit counseling is easy and affordable. Take the first step today.

ONE ON ONE CREDIT COUNSELING

Contact us and take the first step today by scheduling a free one-on-one counseling session. One of our trained and certified counselors will review your personal financial situation, answer your questions, and work with you to build a plan that’s right for you.

Debt Repayment

Learn about our Debt Management services.

Obtain a Credit Report

Everyone is entitled to receive one free credit report each year from the three major credit bureaus: Equifax, Experian, and TransUnion. The official website for obtaining the free reports is www.AnnualCreditReport.com.

Credit Report Review

Our trained and certified counselors specialize in helping you understand the positive and negative factors contained in your credit report and the impact these factors have on your credit score and your life.

We can help you identify and address your credit challenges to achieve financial well-being and accomplish goals like buying a car or owning a home.

We can work with you to explore options to improve your credit score, create a livable budget, define financial goals, form a savings habit, and use credit wisely. Over time, these steps can put your goals within reach.