CCCS will obtain and review your credit report with you.
We can also recommend action to repay your debt, advise you on resolving any errors, and teach you to understand the credit reporting process.
There is a one-time fee associated with this program.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Deposit part of your income into a savings account to meet emergency expenses.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
Spending limits must be realistic