Are you in the market to purchase a home or a car? Our Credit Report Review Program includes an evaluation of your current credit report, including score, budget counseling, and advice on disputing or correcting any errors on your credit report. Before making any large purchase, review your credit report to verify that all information is accurate. This can save you thousands of dollars in interest. CCCS will teach you how to rebuild your credit, and the steps necessary to improve your score. There is a one-time fee associated with this program.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Refrain from using your credit to subsidize your income.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Deposit part of your income into a savings account to meet emergency expenses.
Make the budget a family project. Everyone must be involved in order for it to work.