Whether you want to reduce debt, better manage your living expenses, or achieve some other financial goal, Clearpoint’s Budget and Credit Counseling can help. And it’s free. Credit counseling is a service that allows consumers to work one on one with a certified counselor who reviews their monthly expenses, credit history, and outstanding debts and helps develop a plan for achieving improved financial health.
During your counseling session, a certified credit counselor will review your financial situation, discuss your goals, and offer recommendations to help you meet those goals. Your session will include the following:
Everyone’s goals are different. You may be overwhelmed by credit card debt and worried about poor credit, or you may simply wish to get organized and create a plan to reach important goals like buying a home or planning for retirement. A credit counseling session with a nonprofit agency like Clearpoint will help you better address your concerns and achieve your personal financial goals.
If it sounds like Clearpoint’s Budget and Credit Counseling service would benefit you, read on for an introduction to how it works, or watch the video below.
Counselors are available to meet over the phone, online or face to face. Your counselor will start your session by reviewing your current situation and discussing your financial goals and concerns.
Together with your credit counselor, you will develop a plan and budget to meet your goals while taking into account your expenses, debt and savings. As part of your action plan your counselor may recommend a debt management program to help pay off your debt safely and conveniently.
Following your session, your counselor will send you a digital or printed packet that contains your action plan, a written overview of your current financial picture, and other recommendations, strategies, and valuable information. You’ll then be able to begin working toward your financial goals.
Your counselor will check in with you after 5–7 business days to make sure that you’re off to a good start. In addition, should you find yourself struggling to stick with your plan, you can request a follow-up session, during which your counselor can help adjust your budget, provide encouragement and answer any new questions you may have.
For more details on the Clearpoint counseling process, click here.
Our experience with Clearpoint Credit Counseling is remarkable as they have helped us understand how to remove that overwhelming and disastrous financial burden from our lives. Our Clearpoint counselor is always welcoming, empathetic, professional and experienced and he has allowed us to live our lives as we had dreamed—free from the nightmare of the intimidating phone calls, the threatening letters and the guilt we felt.
Are you wondering whether credit counseling is right for you? Ask yourself these questions:
If you answered “yes” to some of these questions, you are not alone. Thousands of consumers are behind on credit card accounts, medical bills, car payments and other financial commitments. These debts can spiral out of control and make life a daily challenge.
If you feel like you’re in over your head, a credit counseling session can help you regain control. Our credit counselors can explain your available options and help you climb out of debt.
In addition, your credit counseling session will give you recommendations and a plan to help you achieve important financial goals like:
For more on how you can benefit from credit counseling with Clearpoint, click here.
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If you’re considering credit counseling, there are many reasons to consider working with Clearpoint. We are:
Nothing; we offer this service free of charge.
No, but we can help you via a special counseling service we offer just for those filing for bankruptcy. For more information on this service, click here.
No. When we pull your credit it’s considered an “educational pull” rather than an indication that you’re seeking new credit. Pulling your credit report gives us critical information about your financial situation and helps us to better help you, so we highly recommend it.
Read our credit counseling FAQ for answers to many other questions, including what to expect during your counseling session.
You can receive credit counseling three different ways. Read below and pick the one that works best for you.
Here are links to a few additional resources related to our credit counseling service.
Read more about what to expect from our Budget and Credit Counseling credit service.
Learn more about the benefits of a Clearpoint credit counseling session, including your financial and credit review, free credit score, and action plan.
Read all of our most frequently asked questions about credit counseling, as well as debt management.
Call us at 877.877.1995 and we’ll be glad to help.