Financial Counseling

Is Financial Counseling Right for You?

There are many reasons you might consider meeting with a financial counselor. You could be experiencing a significant life change, such as welcoming a child, going through a divorce, or dealing with job loss. You could be looking for guidance when it comes to creating budgets or improving your credit score. Whatever your circumstances or goals may be, this free service can benefit everyone, no matter your financial situation.

Call or text 585.586.8225 to schedule an appointment today, or leave a message below and one of our counselors will be in touch with you shortly!

Contact a Financial Counselor

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Not sure if financial counseling is right for you?

Ask yourself the following questions – If you answer “yes” to one or more, you may benefit from financial counseling.

Have you bounced a check more than once in the last 12 months?
Have you recently been denied credit?
Have you borrowed money from multiple sources in the last 12 months?
Do you have difficulty paying your bills each month?
Do you regularly pay bills late?
Has it been more than six months since you deposited money in your savings?
Do you dread sitting down to review your finances?
Do you have difficulty concentrating at work because of financial problems?
Have you delayed receiving health or dental care because of money?
Do you have difficulty sleeping because you’re worried about your finances?
Have you used a payday lender?
Do you regularly use courtesy pay programs to cover checking account shortfalls?
Do you regularly borrow money from family and friends to pay your monthly bills?
Do you gamble or play the lottery in hopes of earning money to repay debts?
Have you received calls from creditors or collection agencies in the past six months?
Do you struggle to make the minimum payments on your credit cards?

Monitoring Your Credit

It’s important to keep track of your credit score to make sure it’s being reported properly. Here are some trusted sources you can use to monitor your credit!

Annual Credit Report Request Service

Mailing Address: PO Box 105281 Atlanta, GA 30348-5281

Phone: (877) 322-8228

www.annualcreditreport.com

Experian

Mailing Address: PO Box 2104 Allen, TX 75013-2104

Order Credit Report: (888) 397-3742

Report Fraud: (888) 397-3742

www.experian.com

TransUnion

Mailing Address: PO Box 1000 Chester, PA 19022

Order Credit Report: (800) 888-4213