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Credit Counseling

Credit Counseling is part of our Home Retention series and can be taken FREE of charge with a Certificate of Completion from the CreditSmart-Steps to Homeownership Tutorial course.

Credit Counseling is important to the success of you keeping your home, receiving a lower interest rate on a home mortgage and meeting eligibility requirements for Down Payment Assistance. In our one-to-one session, you will learn how to manage credit, minimize debt, and learn the importance of budgeting, such as:

Budgeting Basics

- Creating a Budget

- Prioritizing Spending

- Cutting Expenses

- Setting Goals

Managing Your Credit

- Types of Credit

- Establishing Credit

- Credit Reporting

- Credit Scores

- Using Credit Responsibly

Managing Your Debt

- Types of Debt

- Managing Payments

- Cycle of Collections


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