There are those that want to buy the house of their dreams only to be held back from doing so because of a poor credit score. There are others who wish to buy a vehicle that they prefer for many different reasons, only to be restricted in their choices because they cannot qualify for credit. Again this is because of a poor credit score. Then there may be times where credit is needed for emergency funding and it is denied because the individual cannot qualify because of a poor credit rating. For those that are able to get credit with a poor credit score they end up with a very high interest rates that can stay with them for a very long time.  Based on this it is very important that any individual with a poor credit rating seek out credit repair services from us here at Community Land Trust of Schenectady.Credit and budget counseling will allow individuals to review their credit, create a budget and discuss possible ways to make their finances a little easier.

Our credit and debt counselor will:

  • Advise you on managing your money;
  • Offer solutions to your current financial problems; and
  • Develop a personalized plan to help you prevent future difficulties.

Credit Counseling Sessions

Clients are given access to a confidential, non-judgmental consultation with our counselor. This counseling session takes 45 to 90 minutes, and involves a comprehensive review of one’s debt and personal finances. The counselor offers expert advice along with a workable budget based on the client’s unique financial situation. By tailoring our advice to the client’s circumstances, we can offer a realistic plan for paying down debt, increasing savings, and improving the client’s financial situation.

Because the counseling session is free of charge and carries no obligation, we urge any client with financial concerns or mounting debt to take advantage of this nonprofit community service.

CLTS offers the following services to ensure we can accommodate any situation:

  • Unlimited disputing of all derogatory items
  • Unlimited disputing with all 3 credit bureaus
  • Unlimited support through the entire repair process
  • Help with settling any outstanding collections & charge-offs
  • Debt validation request on any questionable collection reporting
  • Professional advice from our counselor
  • FREE coaching on how to increase your credit scores the right way
  • Month to Month credit repair



Request To Schedule A Free Credit Counseling Session Now

Request To Schedule A Free Credit Counseling Session Now