Credit Counseling Online

Avoid late payments
Even a handful of late payments can cause serious damage to your credit score. Lenders use your credit score to determine what type of risk you pose as a potential borrower. While an occasional 30-day late here and there will not significantly lower your score, a series of late payments or severely delinquent accounts can rapidly drop your score. Once your credit is damaged, it is difficult to repair. A seriously low score can take years to recover. Stay on top of your bills and use credit sparingly to avoid getting in over your head. Avoiding late payments is one of the most important parts of making credit and debt management work to your advantage.

You have the ability to get your finances back on.

Our professional counselors offer confidential advice that helps you take a new look at budget planning, and helps you learn how to manage your credit card debt and any other debts, and help you learn how to start building savings.

Our mission is to empower people with knowledge and solutions that provide hope and inspire lasting change. 

Whether you’re trying to tighten-up your budget or struggling to pay credit card debt, medical expenses or any other kind of financial obligation, take advantage of the free, completely confidential budget planning services we offer. You have the ability to regain control of your finances and pay down your credit card debt and more... get started today!


In a budget planning session, we’ll work with you to determine the most effective way to approach your particular situation, and, aftewards, we'll send you a personalized plan that can help you begin to stabilize your finances and meet future goals.

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