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Credit Counseling
Life happens, and we make mistakes. Sometimes we’re faced with hard choices that have unfortunate outcomes. When our credit suffers from these hard choices and mistakes, it’s easy to feel like all is lost.
But that’s not the case. We’re here to help our members with free credit counseling that can help you turn things around.
Our counseling services are confidential, convenient, and free for our members. We connect you with certified professional counselors endorsed by the United States Department of Housing and Urban Development (HUD) and the National Commission for Health Education Credentialing (NCHEC).
Let one of our credit counselors help you build back your good credit today. Schedule a free appointment and complete the confidential credit counseling intake form to help us get started.
Schedule A Free Appointment Credit Counseling Intake Form
How Credit Counseling Works
Meeting with a credit counselor allows you to talk through your finances to find ways to reduce debt and restore your credit. By the time you finish counseling, you will have a plan in place to improve your credit.
In general, the process works like this:
- Work with a credit counselor to identify your needs and financial goals.
- Work with a credit counselor to develop a plan to achieve your goals.
- Using the resources and support of your counselor, work to achieve those goals.
The Benefits of Credit Counseling
As you work with your counselor, you will gain financial knowledge to help you be a skilled credit and money manager. The overall goal of financial counseling is that you’ll be able to improve your credit, pay off your debts, and start saving and planning for the future you deserve.
Some of the things you’ll discuss with your counselor include:
- Reviewing credit reports and scores
- Fixing credit report errors
- Improving your credit score
- Negotiating with debt collectors
- Finding and accessing credit-building tools and resources
- Bankruptcy or foreclosure options and ways to avoid them
Credit Counseling FAQs
Q: Will credit counseling hurt my credit score?
A: No. Not at all. But the things you learn in credit counseling will give you the tools to improve your credit.
Q: Can anyone learn what I share with my counselor?
A: No. The sessions and information you share are entirely confidential. Counselors are bound by oaths they take when they get their professional credentials.
Q: How can I get a credit report to see what’s on my credit?
A: You can get one free credit report (without your credit score) each year from the three credit bureaus: Experian, Equifax, and Trans Union. Use this link to get your free report.
Q: Why does my credit score matter?
A: Lenders use credit scores to determine whether or not to approve you for loans, credit cards, and some bank accounts. Property managers use credit scores to screen applicants. Some employers do too. So good credit scores open doors and make life easier. But poor credit scores can get in the way of you achieving your dreams.
Our credit counseling sessions are convenient, confidential, and best of all, free. Begin improving your credit by scheduling an intake session today.
And be sure to complete the intake form to help your counselor get started right away.
Schedule A Free Appointment Credit Counseling Intake Form
Not Sure If It’s Credit Counseling You Want?
As a GLCU member, you’re never alone when you need financial support and advice. No matter your situation, we can help.