Credit Counseling & Repair Support
One-on-one coaching to help participants understand their credit reports, dispute inaccuracies, improve credit scores, and develop strategies to maintain healthy credit long-term. Special guidance for veterans and active-duty military on managing credit during life transitions.
Program Overview
Our Credit Counseling program provides personalized guidance to help individuals understand their credit, address challenges, and develop strategies for improvement. Whether you're struggling with debt, working to build credit for the first time, or aiming to achieve an excellent credit score, our certified counselors offer the expertise and support you need.
We take a holistic approach to credit counseling, considering your entire financial picture and life goals. Our counselors work one-on-one with you to create customized plans that address your specific situation and help you achieve lasting financial health.
All counseling sessions are confidential and provided at no cost or minimal cost, ensuring that quality credit guidance is accessible to everyone in our community.
Services Offered
Credit Score Analysis
Comprehensive review of your credit report to identify areas for improvement and develop a personalized action plan.
Debt Management Planning
Strategic planning to help you reduce and eliminate debt through budgeting, negotiation, and structured payment plans.
Credit Building Strategies
Guidance on establishing or rebuilding credit through responsible credit use and targeted improvement tactics.
Credit Report Dispute Resolution
Assistance with identifying and disputing errors on your credit report to improve accuracy and boost your score.
Our Impact
Average credit score increase within 6 months
Total debt reduced through our counseling program
Individuals served through credit counseling
Our Counseling Process
Initial Assessment
Complete a financial assessment to help us understand your current situation and goals.
Credit Review
Thorough analysis of your credit reports and scores to identify strengths and areas for improvement.
Action Plan
Development of a personalized plan with specific steps to improve your credit and financial health.
Ongoing Support
Regular check-ins and adjustments to your plan as you progress toward your credit goals.
Success Stories
"When I first came to the Financial Angel Foundation, my credit score was 520 and I had over $30,000 in debt. I felt hopeless and overwhelmed. My counselor helped me create a realistic plan, negotiate with creditors, and make consistent progress. One year later, my debt is down by $15,000 and my credit score has improved to 640. For the first time in years, I feel in control of my financial future."
Marcus Johnson
Program Participant
Frequently Asked Questions
How long does it take to improve a credit score?
Credit improvement timelines vary based on individual circumstances. Some people see improvements in as little as 30 days, while significant changes typically take 3-6 months. Factors like the severity of credit issues, payment history, and current debt levels all affect the timeline.
Is there a fee for credit counseling services?
Our credit counseling services are provided at no cost or minimal cost to ensure accessibility for everyone. We're funded through grants, donations, and partnerships that allow us to offer these valuable services to our community.
Will credit counseling hurt my credit score?
No, credit counseling itself does not appear on your credit report or impact your credit score. In fact, the guidance you receive is designed to help you take actions that will improve your score over time.
Can you remove negative items from my credit report?
We can help you identify inaccurate information and guide you through the dispute process. However, accurate negative information can legally remain on your report for 7-10 years. Our focus is on helping you add positive information and manage existing accounts responsibly.
Take Control of Your Credit Today
Schedule a free consultation with one of our certified credit counselors and start your journey toward better credit and financial health.