Credit Counseling

At Credtivity, we understand that financial challenges can happen to anyone, and managing debt can be overwhelming. That’s why we’re here to offer you guidance and support to help you regain control of your finances and achieve your goals.

So, how does Credit Counseling work?

1. Initial Assessment

The first step is to schedule a confidential consultation with one of our certified credit counselors. During this session, we’ll review your financial situation, including your income, expenses, debts, and assets. This helps us gain a clear understanding of your financial picture and allows us to tailor our recommendations to your specific needs.

2. Budgeting and Financial Education

Based on the information gathered during the assessment, we’ll work with you to create a personalized budget that aligns with your financial goals. We’ll provide you with valuable financial education resources to help you better understand money management, budgeting techniques, and strategies for improving your credit score.

3. Debt Management Plan (DMP)

If it’s determined that a Debt Management Plan is the right solution for you, we’ll negotiate with your creditors on your behalf to establish a repayment plan that fits your budget. This plan may include reduced interest rates, waived fees, and consolidated monthly payments. We’ll help you stick to the plan and provide ongoing support throughout the repayment process.

4. Credit Report Review

Understanding your credit report is essential for improving your financial health. We’ll review your credit report with you, identify any errors or inaccuracies, and provide guidance on how to dispute them. We’ll also offer tips on how to build and maintain good credit habits.

5. Continued Support and Counseling

Our commitment to your financial success doesn’t end after your initial sessions. We’ll be here to provide ongoing support and guidance as you work towards your financial goals. Whether you have questions about budgeting, managing debt, or improving your credit score, our team of experts is always here to help.

6. Confidentiality and Respect

We understand that discussing your finances can be sensitive. Rest assured that all information shared with us is kept strictly confidential. We treat every client with the utmost respect and dignity, regardless of their financial situation.

7. Empowerment and Accountability

Our goal is not just to help you manage your debt, but to empower you to take control of your financial future. We’ll work together to develop strategies for long-term financial stability and provide the accountability you need to stay on track.

Contact Us!

Click Here for more information about Credit Counseling or any other services.

Copyright © 2024 Credtivity, LLC |

7845 Colony Road, Suite C4-210, Charlotte, NC 28226