Credit Counseling Overview

Fact: 50% of Americans admit they are having problems making minimum payments on their credit cards because consumer debt is at an all-time high.

Fact: 3 of 5 families don't realize that not paying bills on time will negatively affect their ability to purchase a home.

Fact: Your credit score affects the amount you pay for your home, car, insurance and many other life necessities.

Fact: You can restore your credit-worthiness, and Odessa Housing can help!

At Odessa Housing we can help you to improve your credit health. Our program involves running your consumer file against 10,000 mathematical tests resulting in an effective and personally tailored credit improvement strategy. You will be provided specific actions to take which are tested and proven to positively affect your credit score.

The Credit Counseling Program will provides individuals or families with a detailed credit improvement plan that will:

• Develop a household budget
  
  
• Compare a customer’s percentage of debt versus income
  
  
• Thoroughly examine the customer’s credit report
  
  
• Correct mistakes being reported by credit bureaus
  
  
• Determine which credit items are considered derogatory
  
  
• Determine consumers present credit score
  
  
• Develop a plan for each credit item
  
  
• Seek professional help for difficult credit items
  
  
• Develop an improvement plan for the consumers credit score
  

For more information, contact us today!

Related Links: Credit Counseling Pre-Application Form.