Are you on the "Road to Financial Fitness?"

Have you done MyMoneyCheckUp yet? How did you fare? Attend the “Road to Financial Fitness” workshop and learn how to create a successful spending plan, establish credit, order, read and dispute a credit report and more! This workshop will be held Tuesday, August 26, 2014 from 1:00 pm to 3:00 pm at the PA Career Link, 32 E. Union St. in Wilkes Barre, PA. Please register on-line at! Please call our Education Department at 570-602-2227 ext. 220 or Career Link at 570-822-1101 if you have any questions. Register today and start down the “Road to Financial Fitness”!

Now is a great time to buy a house!

Did you miss the HOME Program in June? Another HOME Program will be held on Wednesday, September 10 from 6:00 pm to 9:00 pm at Peoples Security Bank (formerly Penn Security Bank), 1901 Sanderson Ave. in Scranton. If are you even thinking about buying a house the HOME Program is for you! Learn the facts before buying by attending our HOME Program! Hear about topics such as budgeting for your new home, choosing a realtor, credit and credit reports, the mortgage process, home inspections and more! For more information and to reserve your seat please call our education department at 570-602-2227 ext. 220! This program is FREE and is sponsored by Peoples Security Bank! A Certificate will be issued at the end of the workshop to satisfy any first time homebuyer requirement.

Are you working to "Sharpen Your Financial Focus"?

Have you taken advantage of our new “Sharpen Your Financial Focus” program yet? If you haven’t you are really missing out on a terrific program! Log into and take the on-line self assesment of your finances, MyMoneyCheckUp and see where you stand! Schedule your appointment and review your credit report with one of our Certified Financial Professionals! Then take advantage of either a financial workshop or schedule a follow-up appointment to see how you’re doing!

Plus, if you take the MyMoneyCheckUp financial assessment and visit with one of our Certified Financial Professionals, you could take advantage of Experian’s program FREE for 12 months! That’s a year of unlimited access to your credit report and score, calculators, articles on credit, free Credit Monitoring, all kinds of bells and whistles! Plus they have just added a new “Alerts on the Go” app!

And it’s all FREE!!!!!!! So what are you waiting for?! Do the MyMoneyCheckUp assessment, schedule your appointment and start to “Sharpen Your Financial Focus” today!

Refer-A-Friend Program

CCCS has instituted a Refer-A-Friend program for all active DMP clients. When you refer a friend/family member to the program, and if they enroll successfully on the DMP, your maintenance fee will be waived for three months. Please see our Winter 2011 “Consumer Connection” for more details or call (800)922-9537 to receive your coupon in the mail. Only one referral per client.

Consumer Credit Counseling Service of Northeastern PA is on Facebook!

CCCS is on Facebook! Mark us as a favorite, and keep up with the latest credit and housing news!

Notes from CCCS

CCCS is a non-profit 501c3 based in Northeastern Pennsylvania but serving clients across the region and state. Our certified, highly trained counselors have a unique knowledge of credit and housing issues. We are local to your community and have extensive experience with all the resources available to consumers. We are a member of the National Foundation for Credit Counseling, HUD and PHFA certified to provide pre-purchase and post-purchase housing counseling and certified with the Council on Accreditation. We provide Bankruptcy Credit Counseling and Bankruptcy Debtor Education throughout Pennsylvania. We are a United Way Agency, and licensed with the PA Dept of Banking. When choosing a Debt Management or Counseling Agency, choose carefully, and choose the agency that will put the client first!


Make the budget a family project. Everyone must be involved in order for it to work.

Review your statements regularly from your creditors while on the DMP. Report any unusual fees or activity to CCCS Operations Department, and send a copy of each of your statements every three months for official review.

Act your own wage!

Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).

Refrain from using your credit to subsidize your income.