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Financial Haven is a safe place for your financial needs. When you set re​quest to speak with one of our counselors you will know we are working on your behalf. Our goal is to make your counseling session comfortable while sticking to the goal for the session. An average session takes about thirty minutes to one hour to complete. The majority of the conversations with a counselor can take place over the phone but some online or in person counseling may be offered as well.

01 Talk with a credit counselor

First, you will share some basic information that let’s your counselor get to know you better. Please have available a list of your current expenses such as rent/mortgage payment, utilities, grocery expense, cell/house phone bills, loan payment, credit card payments, and any other regular recurring bills.

02 1 on 1 planning

We will learn more about your situation, discuss options, establish a plan. Please gather any recent pay-stubs for you and/or your spouse so you can provide necessary information about your household income. Also, if you have any credit card statements, that could help us get idea of current due dates, minimum payments, etc.

03 Budgeting Plan

We will discuss your budget, debt to income, and spending habits. We will come up with a plan to assist you in managing your finances and reaching your financial goals.

04 Managing credit

How does your credit report play a part in your financial goals? Your credit report is a accumulation of data that is contains information used by lenders to make creditworthiness decisions. This information is updated and maintained by the credit bureaus and they are required to report accurate information. It's very important to regularly check your credit report to make sure you remain in good financial standing, and to  protect yourself from identity theft, fraud,  and inaccurate reporting.

05 Enjoying better credit

Gaining control of your finances almost always allows you to qualify for lower interest rates, and lower finance charges on credit card balances and loans. The less money you have to pay in interest, the quicker you'll pay off the debt and that leaves more money you have for other expenses.

Call a credit counselor today!

Relief is around the corner