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This program takes a proactive, preventive approach to help members avoid credit problems. Our BASES Coaching Team offers one-on-one, unlimited free counseling to members where their credit report information is explained in detail. Members are also given instructions on what they need to do to correct erroneous information, negotiate settlements on unpaid accounts with creditors, and prepare for getting a loan. The service also gives members a spending analysis to help them prepare a household budget.
Affinity Can Help
What starts as a simple credit card bill can quickly become an overwhelming financial burden. If you feel like the bills are piling up and you're having a hard time handling them all, let us help you get your finances back under control. We understand these financial issues, and we can help you figure out a manageable plan to put you back on your feet.
Some signs that you may be in a dangerous credit situation may include:
- Few assets that are free of loans against them
- Changes in lifestyle - including employment, salary, residence, and spending habits
- Frequent use of credit cards
- Maximizing limits on many different credit cards
- Using one credit card to pay another
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