CCCS NID offers education and the development of healthy financial behavior. We offer credit counseling sessions during which you explain your situation and we listen. Once we have all the information, we point out the problems and where you might have gone wrong. The sessions that follow then focus on repairing the damage or fixing the problem.
The services that we offer to help repair your credit and financial situation include:
• Education sessions. During these sessions, we teach you how to manage your finances and also what is considered healthy credit and financial behavior. We give you materials to study and homework to do. This all helps to foster new and healthy habits.
• Budget advice. We teach you how to set up a proper budget. We teach you about income and expenses. We give you a template to work out your monthly budget. This exercise helps you to see where you might have gone wrong with your finances. We expect you to use the budget tools we give you to plan for future finances.
• Credit repair. We give you tips on repairing your credit and we help you get started. The process takes time, but once you fix it, you will also know how to keep it fixed.
• Support. Once you are on the journey to recovery, you can call your counselor any time to ask advice on certain financial actions. Your counselor will support you until you are on your feet and out of the red.
This is the basics of what we do. Our offices are open from 8:00 to 17:00 Monday to Friday and 9:00 to 13:00 on Saturdays.