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counseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. SUSTAINABLE LIVING PRACTICES THAT SAVE YOU MONEY Dry Clothes Without a Dryer. Invest in a drying rack or clothesline to save both electricity and money. Drying a small load in a traditional dryer for 45 minutes costs 49 cents per load in electricity. If you’re using a Laundromat or apartment dryer, then you’ll spend a few dollars on this every time you wash and dry your clothes. HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Communicate Regularly. Stay in contact with your creditors throughout the crisis for two reasons: one, things may change with you, and two, things may change with them. If your circumstances change, be sure to reach out immediately to advise creditors of the change and open up the conversation again. More importantly, during a wide-ranging HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIRED The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. SUSTAINABLE LIVING PRACTICES THAT SAVE YOU MONEY Dry Clothes Without a Dryer. Invest in a drying rack or clothesline to save both electricity and money. Drying a small load in a traditional dryer for 45 minutes costs 49 cents per load in electricity. If you’re using a Laundromat or apartment dryer, then you’ll spend a few dollars on this every time you wash and dry your clothes. HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Communicate Regularly. Stay in contact with your creditors throughout the crisis for two reasons: one, things may change with you, and two, things may change with them. If your circumstances change, be sure to reach out immediately to advise creditors of the change and open up the conversation again. More importantly, during a wide-ranging HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIRED The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS SUSTAINABLE LIVING PRACTICES THAT SAVE YOU MONEY Dry Clothes Without a Dryer. Invest in a drying rack or clothesline to save both electricity and money. Drying a small load in a traditional dryer for 45 minutes costs 49 cents per load in electricity. If you’re using a Laundromat or apartment dryer, then you’ll spend a few dollars on this every time you wash and dry your clothes. HISPANIC CENTER FOR FINANCIAL EXCELLENCE Hispanic Center for Financial Excellence. Hispanic communities throughout the nation have a persistent need for financial education. This need prevents many Hispanic families and individuals from reaching their true financial potential and the long-term economic security they seek, even if they have enough means and income. 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDIT Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
THE BENEFITS OF ONLINE BILL PAY Basically, online bill pay is a method of payment which allows an individual to issue payment instructions to a creditor electronically via a computer program. Online bill pay can virtually eliminate errors, making the management of your debt that much easier. And it is a much faster payment method than mailing checks. RESPONSIBLE FOR THE DEBT OF A DECEASED SPOUSE OR LOVED ONE Likely no. You’re responsible for handling the estate. Likely yes, but using the estate’s assets not your own. You cosigned a financial obligation, or have a joint financial account with the deceased. Likely yes. The debt was taken on by a spouse or domestic partner while you lived in a community property state. Likely yes. HOW YOUR PERSONAL FINANCES AND CREDIT SCORE AFFECT YOUR The purpose of this article is to explain, in clear terms, how a person’s finances directly impact their ability to obtain and retain a security clearance with the U.S. government. We’ll discuss the role of credit scores, and provide some rough guidelines for determining what score you’ll need to retain your clearance (thoughas you’ll
HOW "WANTS" WILL SABOTAGE YOUR BUDGET How “Wants” Will Sabotage Your Budget. Every parent has heard their child whine, “I want .”. By the time the child is a pre-teen, the chant turns into “But, I need it!”. By the time he or she becomes a teenager, the demand becomes “You don’t understand–everyone has one!”. Many of us continue this behaviorinto adulthood.
HOW TO REMOVE NEGATIVE ITEMS FROM YOUR CREDIT REPORT Fill in the blanks, then send the letter to the creditor, along with any documentation supporting your dispute. They’re obligated to investigate the items in question, usually within 30 days. If they agree that there’s an error, it’s their job to notify all three credit bureaus so they can fix your report. HOW TO WRITE A GOODWILL LETTER FOR DIY CREDIT REPAIR Our template is a downloadable Word doc, but here’s the meat of the letter: To whom it may concern, I am writing in regards to on my credit report from for my account. I understand how important it is to make timely payments, and that failure to do so creates an inconveniencefor you.
HERE'S WHY YOU PROBABLY SHOULDN'T FINANCE FURNITURE Caveat #1 – Zero-Percent Interest. If you financed the furniture to begin with because cash was tight, there’s a good chance that you’ll still be in a cash-strapped situation while you are making payments on the furniture. This marketing tactic has been around for a while, but it’s particularly problematic with furniture purchases. CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. SUSTAINABLE LIVING PRACTICES THAT SAVE YOU MONEY Dry Clothes Without a Dryer. Invest in a drying rack or clothesline to save both electricity and money. Drying a small load in a traditional dryer for 45 minutes costs 49 cents per load in electricity. If you’re using a Laundromat or apartment dryer, then you’ll spend a few dollars on this every time you wash and dry your clothes. HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Communicate Regularly. Stay in contact with your creditors throughout the crisis for two reasons: one, things may change with you, and two, things may change with them. If your circumstances change, be sure to reach out immediately to advise creditors of the change and open up the conversation again. More importantly, during a wide-ranging HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIRED The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. SUSTAINABLE LIVING PRACTICES THAT SAVE YOU MONEY Dry Clothes Without a Dryer. Invest in a drying rack or clothesline to save both electricity and money. Drying a small load in a traditional dryer for 45 minutes costs 49 cents per load in electricity. If you’re using a Laundromat or apartment dryer, then you’ll spend a few dollars on this every time you wash and dry your clothes. HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Communicate Regularly. Stay in contact with your creditors throughout the crisis for two reasons: one, things may change with you, and two, things may change with them. If your circumstances change, be sure to reach out immediately to advise creditors of the change and open up the conversation again. More importantly, during a wide-ranging HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIRED The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS SUSTAINABLE LIVING PRACTICES THAT SAVE YOU MONEY Dry Clothes Without a Dryer. Invest in a drying rack or clothesline to save both electricity and money. Drying a small load in a traditional dryer for 45 minutes costs 49 cents per load in electricity. If you’re using a Laundromat or apartment dryer, then you’ll spend a few dollars on this every time you wash and dry your clothes. HISPANIC CENTER FOR FINANCIAL EXCELLENCE Hispanic Center for Financial Excellence. Hispanic communities throughout the nation have a persistent need for financial education. This need prevents many Hispanic families and individuals from reaching their true financial potential and the long-term economic security they seek, even if they have enough means and income. 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDIT Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
THE BENEFITS OF ONLINE BILL PAY Basically, online bill pay is a method of payment which allows an individual to issue payment instructions to a creditor electronically via a computer program. Online bill pay can virtually eliminate errors, making the management of your debt that much easier. And it is a much faster payment method than mailing checks. RESPONSIBLE FOR THE DEBT OF A DECEASED SPOUSE OR LOVED ONE Likely no. You’re responsible for handling the estate. Likely yes, but using the estate’s assets not your own. You cosigned a financial obligation, or have a joint financial account with the deceased. Likely yes. The debt was taken on by a spouse or domestic partner while you lived in a community property state. Likely yes. HOW YOUR PERSONAL FINANCES AND CREDIT SCORE AFFECT YOUR The purpose of this article is to explain, in clear terms, how a person’s finances directly impact their ability to obtain and retain a security clearance with the U.S. government. We’ll discuss the role of credit scores, and provide some rough guidelines for determining what score you’ll need to retain your clearance (thoughas you’ll
HOW "WANTS" WILL SABOTAGE YOUR BUDGET How “Wants” Will Sabotage Your Budget. Every parent has heard their child whine, “I want .”. By the time the child is a pre-teen, the chant turns into “But, I need it!”. By the time he or she becomes a teenager, the demand becomes “You don’t understand–everyone has one!”. Many of us continue this behaviorinto adulthood.
HOW TO REMOVE NEGATIVE ITEMS FROM YOUR CREDIT REPORT Fill in the blanks, then send the letter to the creditor, along with any documentation supporting your dispute. They’re obligated to investigate the items in question, usually within 30 days. If they agree that there’s an error, it’s their job to notify all three credit bureaus so they can fix your report. HOW TO WRITE A GOODWILL LETTER FOR DIY CREDIT REPAIR Our template is a downloadable Word doc, but here’s the meat of the letter: To whom it may concern, I am writing in regards to on my credit report from for my account. I understand how important it is to make timely payments, and that failure to do so creates an inconveniencefor you.
HERE'S WHY YOU PROBABLY SHOULDN'T FINANCE FURNITURE Caveat #1 – Zero-Percent Interest. If you financed the furniture to begin with because cash was tight, there’s a good chance that you’ll still be in a cash-strapped situation while you are making payments on the furniture. This marketing tactic has been around for a while, but it’s particularly problematic with furniture purchases. CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. SUSTAINABLE LIVING PRACTICES THAT SAVE YOU MONEY Dry Clothes Without a Dryer. Invest in a drying rack or clothesline to save both electricity and money. Drying a small load in a traditional dryer for 45 minutes costs 49 cents per load in electricity. If you’re using a Laundromat or apartment dryer, then you’ll spend a few dollars on this every time you wash and dry your clothes. HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Communicate Regularly. Stay in contact with your creditors throughout the crisis for two reasons: one, things may change with you, and two, things may change with them. If your circumstances change, be sure to reach out immediately to advise creditors of the change and open up the conversation again. More importantly, during a wide-ranging HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIRED The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. SUSTAINABLE LIVING PRACTICES THAT SAVE YOU MONEY Dry Clothes Without a Dryer. Invest in a drying rack or clothesline to save both electricity and money. Drying a small load in a traditional dryer for 45 minutes costs 49 cents per load in electricity. If you’re using a Laundromat or apartment dryer, then you’ll spend a few dollars on this every time you wash and dry your clothes. HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Communicate Regularly. Stay in contact with your creditors throughout the crisis for two reasons: one, things may change with you, and two, things may change with them. If your circumstances change, be sure to reach out immediately to advise creditors of the change and open up the conversation again. More importantly, during a wide-ranging HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIRED The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS SUSTAINABLE LIVING PRACTICES THAT SAVE YOU MONEY Dry Clothes Without a Dryer. Invest in a drying rack or clothesline to save both electricity and money. Drying a small load in a traditional dryer for 45 minutes costs 49 cents per load in electricity. If you’re using a Laundromat or apartment dryer, then you’ll spend a few dollars on this every time you wash and dry your clothes. HISPANIC CENTER FOR FINANCIAL EXCELLENCE Hispanic Center for Financial Excellence. Hispanic communities throughout the nation have a persistent need for financial education. This need prevents many Hispanic families and individuals from reaching their true financial potential and the long-term economic security they seek, even if they have enough means and income. THE BENEFITS OF ONLINE BILL PAY Basically, online bill pay is a method of payment which allows an individual to issue payment instructions to a creditor electronically via a computer program. Online bill pay can virtually eliminate errors, making the management of your debt that much easier. And it is a much faster payment method than mailing checks. 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDIT Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
RESPONSIBLE FOR THE DEBT OF A DECEASED SPOUSE OR LOVED ONE Likely no. You’re responsible for handling the estate. Likely yes, but using the estate’s assets not your own. You cosigned a financial obligation, or have a joint financial account with the deceased. Likely yes. The debt was taken on by a spouse or domestic partner while you lived in a community property state. Likely yes. HOW YOUR PERSONAL FINANCES AND CREDIT SCORE AFFECT YOUR The purpose of this article is to explain, in clear terms, how a person’s finances directly impact their ability to obtain and retain a security clearance with the U.S. government. We’ll discuss the role of credit scores, and provide some rough guidelines for determining what score you’ll need to retain your clearance (thoughas you’ll
HOW "WANTS" WILL SABOTAGE YOUR BUDGET How “Wants” Will Sabotage Your Budget. Every parent has heard their child whine, “I want .”. By the time the child is a pre-teen, the chant turns into “But, I need it!”. By the time he or she becomes a teenager, the demand becomes “You don’t understand–everyone has one!”. Many of us continue this behaviorinto adulthood.
HOW TO REMOVE NEGATIVE ITEMS FROM YOUR CREDIT REPORT Fill in the blanks, then send the letter to the creditor, along with any documentation supporting your dispute. They’re obligated to investigate the items in question, usually within 30 days. If they agree that there’s an error, it’s their job to notify all three credit bureaus so they can fix your report. HERE'S WHY YOU PROBABLY SHOULDN'T FINANCE FURNITURE Caveat #1 – Zero-Percent Interest. If you financed the furniture to begin with because cash was tight, there’s a good chance that you’ll still be in a cash-strapped situation while you are making payments on the furniture. This marketing tactic has been around for a while, but it’s particularly problematic with furniture purchases. HOW TO WRITE A GOODWILL LETTER FOR DIY CREDIT REPAIR Our template is a downloadable Word doc, but here’s the meat of the letter: To whom it may concern, I am writing in regards to on my credit report from for my account. I understand how important it is to make timely payments, and that failure to do so creates an inconveniencefor you.
CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs.HOUSING PROGRAMS
Housing Programs. At Clearpoint, we help people with a variety of housing goals and needs. For some clients, keeping their home and avoiding foreclosure is a challenge. We can help via our foreclosure prevention counseling, where we look for programs that help people keep their homes. Others may be preparing to buy a home for the firsttime
HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
CLIENT LOGIN
Update creditor balances. Update personal information. Review statements and other documents. And much, much more! To enjoy these features, simply create a MyMMI account and link your DMP. If you have any questions or concerns, please don’t hesitate toPROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org DEBT MANAGEMENT PROGRAM 1. Work with a Clearpoint Counselor. If you’re interested in a debt management program, you’ll first consult a Clearpoint certified credit counselor in a free, basic credit counseling session, which is offered online, via phone, or in person.Your counselor will review your total financial situation and discuss your credit report, income,and expenses.
REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIRED Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
HOW TO PAY OFF DEBT FAST: THE MOST EFFICIENT METHOD We are going to teach you how to pay off debt fast, in a way that has mathematical advantages. Just keep in mind that "fast" here is a relative term. You won't close out individual accounts at lightning speed, but this method will help you become totally debt free in the fastest way possible. CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs.HOUSING PROGRAMS
Housing Programs. At Clearpoint, we help people with a variety of housing goals and needs. For some clients, keeping their home and avoiding foreclosure is a challenge. We can help via our foreclosure prevention counseling, where we look for programs that help people keep their homes. Others may be preparing to buy a home for the firsttime
HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
CLIENT LOGIN
Update creditor balances. Update personal information. Review statements and other documents. And much, much more! To enjoy these features, simply create a MyMMI account and link your DMP. If you have any questions or concerns, please don’t hesitate toPROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org DEBT MANAGEMENT PROGRAM 1. Work with a Clearpoint Counselor. If you’re interested in a debt management program, you’ll first consult a Clearpoint certified credit counselor in a free, basic credit counseling session, which is offered online, via phone, or in person.Your counselor will review your total financial situation and discuss your credit report, income,and expenses.
REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIRED Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
HOW TO PAY OFF DEBT FAST: THE MOST EFFICIENT METHOD We are going to teach you how to pay off debt fast, in a way that has mathematical advantages. Just keep in mind that "fast" here is a relative term. You won't close out individual accounts at lightning speed, but this method will help you become totally debt free in the fastest way possible.CLIENT LOGIN
Update creditor balances. Update personal information. Review statements and other documents. And much, much more! To enjoy these features, simply create a MyMMI account and link your DMP. If you have any questions or concerns, please don’t hesitate to CONTACT US | CLEARPOINT CREDIT COUNSELING Contact Us. Call Clearpoint Credit Counseling Solutions at 800.750.2227. Questions? Email us. Clearpoint’s corporate office mailing address is: 55 Ivan Allen Jr. Blvd. NW, Suite 520, Atlanta, GA 30308. For Payment: If you have any questions about your paymentCREDIT COUNSELING
A free budget and credit counseling session from Clearpoint can help you pay down debt, manage expenses, plan for the future, and achieve financial peace of mind. During your session, a certified credit counselor will provide you with the following: Free Credit Report Review. Personalized Action Plan STUDENT LOAN COUNSELING Information about repayment program eligibility, potentially saving you hundreds or thousands of dollars over the course of your student loan repayment. It’s easy, and can help you dig your way out of debt. If you have student loans, there’s no reason not to enroll in a student loan counseling session today. Sign up now * or call1-800-675
MONTHLY BUDGET CALCULATOR Monthly Budget Calculator. Building a good budget is the key to managing your money. This free budget calculator will give you a clear view of your monthly finances and help you find places to change your budget to make the most of your income. FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS Our friends at Bankrate have previously discussed 3 ways that mobile deposit can burn you, but our counselors have identified four additional dangers when using mobile deposit. 1. Rejected deposit. When a deposit is rejected, it is usually because the image did not meet visual specifications or the information on the check is missingor incorrect.
WHAT IS A GOOD DEBT-TO-INCOME RATIO, ANYWAY? Tier 2 – 15 to 20 Percent. The next tier is a debt-to-income ratio of between 15 and 20 percent. Using our previous example, if you make $35,000, a debt-to-income ratio of 20 percent means that your monthly debt costs $583.40. At this point, we often find that consumers are still okay and can keep their heads above water. THE BENEFITS OF ONLINE BILL PAY Basically, online bill pay is a method of payment which allows an individual to issue payment instructions to a creditor electronically via a computer program. Online bill pay can virtually eliminate errors, making the management of your debt that much easier. And it is a much faster payment method than mailing checks. RESPONSIBLE FOR THE DEBT OF A DECEASED SPOUSE OR LOVED ONE Likely no. You’re responsible for handling the estate. Likely yes, but using the estate’s assets not your own. You cosigned a financial obligation, or have a joint financial account with the deceased. Likely yes. The debt was taken on by a spouse or domestic partner while you lived in a community property state. Likely yes. LOS FACTORES QUE INFLUYEN EN TU CRÉDITO Los 5 factores que influyen en su puntaje de crédito. 1. Historial de pago: Lo primero que cualquier acreedor quiere saber es si usted le ha pagado a tiempo sus otros acreedores. Y tiene mucho sentido, ya que en dependencia de como usted le haya pagado a otros, le pagará a ellostambién.
CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org MONTHLY BUDGET CALCULATOR Monthly Budget Calculator. Building a good budget is the key to managing your money. This free budget calculator will give you a clear view of your monthly finances and help you find places to change your budget to make the most of your income. REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIREDDEBT COLLECTORS LAWSDEBT COLLECTORS LAWSDEBT COLLECTORS NEAR MEDEBT COLLECTORS NEAR MEHELP WITH DEBT COLLECTORSSCAM DEBT COLLECTORS LIST The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDITCONTROL CREDIT CORPORATIONCREDIT CONTROL COLLECTIONSCREDIT CONTROL CORPORATION ONLINE PAYMENTCREDIT CONTROL LLCCREDIT CONTROL SCAM Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org MONTHLY BUDGET CALCULATOR Monthly Budget Calculator. Building a good budget is the key to managing your money. This free budget calculator will give you a clear view of your monthly finances and help you find places to change your budget to make the most of your income. REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIREDDEBT COLLECTORS LAWSDEBT COLLECTORS LAWSDEBT COLLECTORS NEAR MEDEBT COLLECTORS NEAR MEHELP WITH DEBT COLLECTORSSCAM DEBT COLLECTORS LIST The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDITCONTROL CREDIT CORPORATIONCREDIT CONTROL COLLECTIONSCREDIT CONTROL CORPORATION ONLINE PAYMENTCREDIT CONTROL LLCCREDIT CONTROL SCAM Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
HOUSING PROGRAMS
Housing Programs. At Clearpoint, we help people with a variety of housing goals and needs. For some clients, keeping their home and avoiding foreclosure is a challenge. We can help via our foreclosure prevention counseling, where we look for programs that help people keep their homes. Others may be preparing to buy a home for the firsttime
DEBT MANAGEMENT PROGRAM 1. Work with a Clearpoint Counselor. If you’re interested in a debt management program, you’ll first consult a Clearpoint certified credit counselor in a free, basic credit counseling session, which is offered online, via phone, or in person.Your counselor will review your total financial situation and discuss your credit report, income,and expenses.
CONTACT US | CLEARPOINT CREDIT COUNSELING Contact Us. Call Clearpoint Credit Counseling Solutions at 800.750.2227. Questions? Email us. Clearpoint’s corporate office mailing address is: 55 Ivan Allen Jr. Blvd. NW, Suite 520, Atlanta, GA 30308. For Payment: If you have any questions about your payment STUDENT LOAN COUNSELING Information about repayment program eligibility, potentially saving you hundreds or thousands of dollars over the course of your student loan repayment. It’s easy, and can help you dig your way out of debt. If you have student loans, there’s no reason not to enroll in a student loan counseling session today. Sign up now * or call1-800-675
PRE-PURCHASE COUNSELING PARTNERSHIP Benefits of the Program. Clearpoint’s pre-purchase programs offers comprehensive counseling and education that prepares clients to navigate successfully through all aspects of the home buying process. This programs helps the client avoid the types of pitfalls that lead to foreclosure, and it can meet the requirement of a down payment HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Twitter; Facebook; Pinterest; When your income is suddenly reduced or cut off completely, as it has been for an increasing number of us during this current coronavirus outbreak, you find yourself faced with a lot of tough decisions.You can reduce some of your spending, but depending on the circumstances there will continue to be bills and expenses that you simply can’t ignore. 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDIT Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
RESPONSIBLE FOR THE DEBT OF A DECEASED SPOUSE OR LOVED ONE Likely no. You’re responsible for handling the estate. Likely yes, but using the estate’s assets not your own. You cosigned a financial obligation, or have a joint financial account with the deceased. Likely yes. The debt was taken on by a spouse or domestic partner while you lived in a community property state. Likely yes. HOW TO PAY OFF DEBT FAST: THE MOST EFFICIENT METHOD We are going to teach you how to pay off debt fast, in a way that has mathematical advantages. Just keep in mind that "fast" here is a relative term. You won't close out individual accounts at lightning speed, but this method will help you become totally debt free in the fastest way possible. MEDICAL BILLS WITHOUT A DUE DATE If you get a bill without a due date, assume that it is due within 30 days of the date it was sent. Then, call the company to make sure this is accurate, and go ahead and ask them specifically when they report late payments to the credit bureaus. The lab I was working with reports to the credit bureaus after seven payment notices, whichshould
CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org MONTHLY BUDGET CALCULATOR Monthly Budget Calculator. Building a good budget is the key to managing your money. This free budget calculator will give you a clear view of your monthly finances and help you find places to change your budget to make the most of your income. REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIREDDEBT COLLECTORS LAWSDEBT COLLECTORS LAWSDEBT COLLECTORS NEAR MEDEBT COLLECTORS NEAR MEHELP WITH DEBT COLLECTORSSCAM DEBT COLLECTORS LIST The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDITCONTROL CREDIT CORPORATIONCREDIT CONTROL COLLECTIONSCREDIT CONTROL CORPORATION ONLINE PAYMENTCREDIT CONTROL LLCCREDIT CONTROL SCAM Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org MONTHLY BUDGET CALCULATOR Monthly Budget Calculator. Building a good budget is the key to managing your money. This free budget calculator will give you a clear view of your monthly finances and help you find places to change your budget to make the most of your income. REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIREDDEBT COLLECTORS LAWSDEBT COLLECTORS LAWSDEBT COLLECTORS NEAR MEDEBT COLLECTORS NEAR MEHELP WITH DEBT COLLECTORSSCAM DEBT COLLECTORS LIST The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDITCONTROL CREDIT CORPORATIONCREDIT CONTROL COLLECTIONSCREDIT CONTROL CORPORATION ONLINE PAYMENTCREDIT CONTROL LLCCREDIT CONTROL SCAM Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
HOUSING PROGRAMS
Housing Programs. At Clearpoint, we help people with a variety of housing goals and needs. For some clients, keeping their home and avoiding foreclosure is a challenge. We can help via our foreclosure prevention counseling, where we look for programs that help people keep their homes. Others may be preparing to buy a home for the firsttime
DEBT MANAGEMENT PROGRAM 1. Work with a Clearpoint Counselor. If you’re interested in a debt management program, you’ll first consult a Clearpoint certified credit counselor in a free, basic credit counseling session, which is offered online, via phone, or in person.Your counselor will review your total financial situation and discuss your credit report, income,and expenses.
CONTACT US | CLEARPOINT CREDIT COUNSELING Contact Us. Call Clearpoint Credit Counseling Solutions at 800.750.2227. Questions? Email us. Clearpoint’s corporate office mailing address is: 55 Ivan Allen Jr. Blvd. NW, Suite 520, Atlanta, GA 30308. For Payment: If you have any questions about your payment STUDENT LOAN COUNSELING Information about repayment program eligibility, potentially saving you hundreds or thousands of dollars over the course of your student loan repayment. It’s easy, and can help you dig your way out of debt. If you have student loans, there’s no reason not to enroll in a student loan counseling session today. Sign up now * or call1-800-675
PRE-PURCHASE COUNSELING PARTNERSHIP Benefits of the Program. Clearpoint’s pre-purchase programs offers comprehensive counseling and education that prepares clients to navigate successfully through all aspects of the home buying process. This programs helps the client avoid the types of pitfalls that lead to foreclosure, and it can meet the requirement of a down payment HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Twitter; Facebook; Pinterest; When your income is suddenly reduced or cut off completely, as it has been for an increasing number of us during this current coronavirus outbreak, you find yourself faced with a lot of tough decisions.You can reduce some of your spending, but depending on the circumstances there will continue to be bills and expenses that you simply can’t ignore. 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDIT Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
RESPONSIBLE FOR THE DEBT OF A DECEASED SPOUSE OR LOVED ONE Likely no. You’re responsible for handling the estate. Likely yes, but using the estate’s assets not your own. You cosigned a financial obligation, or have a joint financial account with the deceased. Likely yes. The debt was taken on by a spouse or domestic partner while you lived in a community property state. Likely yes. HOW TO PAY OFF DEBT FAST: THE MOST EFFICIENT METHOD We are going to teach you how to pay off debt fast, in a way that has mathematical advantages. Just keep in mind that "fast" here is a relative term. You won't close out individual accounts at lightning speed, but this method will help you become totally debt free in the fastest way possible. MEDICAL BILLS WITHOUT A DUE DATE If you get a bill without a due date, assume that it is due within 30 days of the date it was sent. Then, call the company to make sure this is accurate, and go ahead and ask them specifically when they report late payments to the credit bureaus. The lab I was working with reports to the credit bureaus after seven payment notices, whichshould
CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org MONTHLY BUDGET CALCULATOR Monthly Budget Calculator. Building a good budget is the key to managing your money. This free budget calculator will give you a clear view of your monthly finances and help you find places to change your budget to make the most of your income. REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIREDDEBT COLLECTORS LAWSDEBT COLLECTORS LAWSDEBT COLLECTORS NEAR MEDEBT COLLECTORS NEAR MEHELP WITH DEBT COLLECTORSSCAM DEBT COLLECTORS LIST The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDITCONTROL CREDIT CORPORATIONCREDIT CONTROL COLLECTIONSCREDIT CONTROL CORPORATION ONLINE PAYMENTCREDIT CONTROL LLCCREDIT CONTROL SCAM Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Watch this brief introduction to our homebuyer counseling and education service. 3:30. Exactly “how it works” will depend on the combination of education and counseling you choose. You can choose to receive counseling only, take the education course only, or take the education course and receive counseling. 1. Define your goals for theprogram.
PROJECT PORCHLIGHT
Partners. If you are interested in bringing the power of Project Porchlight to your clients or customers, please contact: Kate Bulger. Director of Business Development. Kathryn.Bulger@clearpoint.org MONTHLY BUDGET CALCULATOR Monthly Budget Calculator. Building a good budget is the key to managing your money. This free budget calculator will give you a clear view of your monthly finances and help you find places to change your budget to make the most of your income. REVERSE MORTGAGE COUNSELING Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. It allows senior homeowners (age 62 or older) to turn their home’s equity into available cash. FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIREDDEBT COLLECTORS LAWSDEBT COLLECTORS LAWSDEBT COLLECTORS NEAR MEDEBT COLLECTORS NEAR MEHELP WITH DEBT COLLECTORSSCAM DEBT COLLECTORS LIST The best way to respond to a debt collector is by knowing your rights. Request proof. Dispute inaccurate debts. Make an informed decision on what to do about legitimate debts. Speak to a qualified credit counselor if you need additional guidance. Contact an attorney if you have been threatened with legal action. PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Independent students in their third or fourth year are eligible to receive up to $12,500 in Stafford loans, with a limit of $5,500 on subsidized loans. So, a third year student would be eligible for up to $7,000 in unsubsidized Stafford loans if his or her parent was denied a PLUS loan. Keep in mind, the student may have used some of this 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDITCONTROL CREDIT CORPORATIONCREDIT CONTROL COLLECTIONSCREDIT CONTROL CORPORATION ONLINE PAYMENTCREDIT CONTROL LLCCREDIT CONTROL SCAM Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
HOUSING PROGRAMS
Housing Programs. At Clearpoint, we help people with a variety of housing goals and needs. For some clients, keeping their home and avoiding foreclosure is a challenge. We can help via our foreclosure prevention counseling, where we look for programs that help people keep their homes. Others may be preparing to buy a home for the firsttime
DEBT MANAGEMENT PROGRAM 1. Work with a Clearpoint Counselor. If you’re interested in a debt management program, you’ll first consult a Clearpoint certified credit counselor in a free, basic credit counseling session, which is offered online, via phone, or in person.Your counselor will review your total financial situation and discuss your credit report, income,and expenses.
CONTACT US | CLEARPOINT CREDIT COUNSELING Contact Us. Call Clearpoint Credit Counseling Solutions at 800.750.2227. Questions? Email us. Clearpoint’s corporate office mailing address is: 55 Ivan Allen Jr. Blvd. NW, Suite 520, Atlanta, GA 30308. For Payment: If you have any questions about your payment STUDENT LOAN COUNSELING Information about repayment program eligibility, potentially saving you hundreds or thousands of dollars over the course of your student loan repayment. It’s easy, and can help you dig your way out of debt. If you have student loans, there’s no reason not to enroll in a student loan counseling session today. Sign up now * or call1-800-675
PRE-PURCHASE COUNSELING PARTNERSHIP Benefits of the Program. Clearpoint’s pre-purchase programs offers comprehensive counseling and education that prepares clients to navigate successfully through all aspects of the home buying process. This programs helps the client avoid the types of pitfalls that lead to foreclosure, and it can meet the requirement of a down payment HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Twitter; Facebook; Pinterest; When your income is suddenly reduced or cut off completely, as it has been for an increasing number of us during this current coronavirus outbreak, you find yourself faced with a lot of tough decisions.You can reduce some of your spending, but depending on the circumstances there will continue to be bills and expenses that you simply can’t ignore. 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDIT Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
RESPONSIBLE FOR THE DEBT OF A DECEASED SPOUSE OR LOVED ONE Likely no. You’re responsible for handling the estate. Likely yes, but using the estate’s assets not your own. You cosigned a financial obligation, or have a joint financial account with the deceased. Likely yes. The debt was taken on by a spouse or domestic partner while you lived in a community property state. Likely yes. HOW TO PAY OFF DEBT FAST: THE MOST EFFICIENT METHOD We are going to teach you how to pay off debt fast, in a way that has mathematical advantages. Just keep in mind that "fast" here is a relative term. You won't close out individual accounts at lightning speed, but this method will help you become totally debt free in the fastest way possible. MEDICAL BILLS WITHOUT A DUE DATE If you get a bill without a due date, assume that it is due within 30 days of the date it was sent. Then, call the company to make sure this is accurate, and go ahead and ask them specifically when they report late payments to the credit bureaus. The lab I was working with reports to the credit bureaus after seven payment notices, whichshould
CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Homebuyer Counseling and Education. They say “home is where the heart is,” but a home is also your biggest investment. They say “home is where the heart is,” but a home is also your biggestinvestment.
PROJECT PORCHLIGHT
Project Porchlight. At Project Porchlight, we believe that no one should face disaster recovery alone. Nearly 3 in 4 survivors experience a financial burden after experiencing a natural disaster. MONTHLY BUDGET CALCULATOR Monthly Budget Calculator. Building a good budget is the key to managing your money. This free budget calculator will give you a clear view of your monthly finances and help you find places to change your budget to make the most of your income. REVERSE MORTGAGE COUNSELING Considering a reverse mortgage? Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDITCONTROL CREDIT CORPORATIONCREDIT CONTROL COLLECTIONSCREDIT CONTROL CORPORATION ONLINE PAYMENTCREDIT CONTROL LLCCREDIT CONTROL SCAM Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Before taking on a Parent PLUS Loan, borrowers should be aware of Parent PLUS Loan eligibility requirements and understand what happens after a denial. Parents and students also need to evaluate the cost of higher education carefully. Let’s examine these two problems moreclosely.
HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIREDDEBT COLLECTORS LAWSDEBT COLLECTORS LAWSDEBT COLLECTORS NEAR MEDEBT COLLECTORS NEAR MEHELP WITH DEBT COLLECTORSSCAM DEBT COLLECTORS LIST Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
CLEARPOINT | CREDIT COUNSELING, DEBT MANAGEMENT, AND MOREABOUT USOUR SERVICESPARTNER PROGRAMSRESOURCESBLOGMEDIA CENTER Clearpoint is a national, nonprofit agency offering free credit counseling, budgeting help, bankruptcy counseling, and housingcounseling.
ESSENTIALS FOR BUYING YOUR FIRST HOME Essentials for Buying Your First Home. Welcome to Clearpoint’s Essentials for Buying Your First Home.Our program is designed to help you become a successful homeowner and help you fulfill the requirements of many of the existing down payment assistance programs. HOMEBUYER COUNSELING AND EDUCATION Homebuyer Counseling and Education. They say “home is where the heart is,” but a home is also your biggest investment. They say “home is where the heart is,” but a home is also your biggestinvestment.
PROJECT PORCHLIGHT
Project Porchlight. At Project Porchlight, we believe that no one should face disaster recovery alone. Nearly 3 in 4 survivors experience a financial burden after experiencing a natural disaster. MONTHLY BUDGET CALCULATOR Monthly Budget Calculator. Building a good budget is the key to managing your money. This free budget calculator will give you a clear view of your monthly finances and help you find places to change your budget to make the most of your income. REVERSE MORTGAGE COUNSELING Considering a reverse mortgage? Clearpoint Credit Counseling Solutions professionals are here to guide you. A reverse mortgage, also called Home Equity Conversion Mortgages (HECM), is a loan against your home that you do not have to pay back for as long as you live there. 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDITCONTROL CREDIT CORPORATIONCREDIT CONTROL COLLECTIONSCREDIT CONTROL CORPORATION ONLINE PAYMENTCREDIT CONTROL LLCCREDIT CONTROL SCAM Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
FOUR RISKS ASSOCIATED WITH MOBILE CHECK DEPOSITS PARENT PLUS LOAN ELIGIBILITY, DENIALS, AND LIMITS Before taking on a Parent PLUS Loan, borrowers should be aware of Parent PLUS Loan eligibility requirements and understand what happens after a denial. Parents and students also need to evaluate the cost of higher education carefully. Let’s examine these two problems moreclosely.
HOW TO RESPOND TO DEBT COLLECTORS IF YOU ARE RETIREDDEBT COLLECTORS LAWSDEBT COLLECTORS LAWSDEBT COLLECTORS NEAR MEDEBT COLLECTORS NEAR MEHELP WITH DEBT COLLECTORSSCAM DEBT COLLECTORS LIST Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
HOUSING PROGRAMS
Housing Programs. At Clearpoint, we help people with a variety of housing goals and needs. For some clients, keeping their home and avoiding foreclosure is a challenge. CONTACT US | CLEARPOINT CREDIT COUNSELING Clearpoint’s corporate office mailing address is: 55 Ivan Allen Jr. Blvd. NW, Suite 520, Atlanta, GA 30308 For Payment: If you have any questions about your payment or where to mail a payment, please call us at 800.750.2227. Sign up for Clearpoint’s ACH program to avoid mailing hassles and costs. There is a small fee for ACH transactions. Wisconsin residents should use this ACH form. DEBT MANAGEMENT PROGRAM 1. Work with a Clearpoint Counselor. If you’re interested in a debt management program, you’ll first consult a Clearpoint certified credit counselor in a free, basic credit counseling session, which is offered online, via phone, or in person.Your counselor will review your total financial situation and discuss your credit report, income,and expenses.
STUDENT LOAN COUNSELING Student Loan Counseling. College is supposed to be an uplifting experience, and your degree is supposed to lead to a high paying job and a carefree lifestyle. PRE-PURCHASE COUNSELING PARTNERSHIP Pre-purchase Counseling Partnership. Pre-purchase housing counseling is an effective way to ensure that prospective homeowners make informed decisions during the home buying process. HOW TO ASK YOUR CREDITORS FOR HELP DURING THE CORONAVIRUS Twitter; Facebook; Pinterest; When your income is suddenly reduced or cut off completely, as it has been for an increasing number of us during this current coronavirus outbreak, you find yourself faced with a lot of tough decisions.You can reduce some of your spending, but depending on the circumstances there will continue to be bills and expenses that you simply can’t ignore. 5 SIMPLE STRATEGIES FOR TAKING CONTROL OF YOUR CREDIT Emilie is the brains, the brawn, and the beauty behind She Does Better, inspiring millennial women to live financially, physically, and professionally fit lives.She writes about overcoming debt, while balancing trying to eat healthy, stay fit, and have a little fun alongthe way.
HOW TO PAY OFF DEBT FAST: THE MOST EFFICIENT METHOD We are going to teach you how to pay off debt fast, in a way that has mathematical advantages. Just keep in mind that "fast" here is a relative term. You won't close out individual accounts at lightning speed, but this method will help you become totally debt free in the fastest way possible. RESPONSIBLE FOR THE DEBT OF A DECEASED SPOUSE OR LOVED ONE Twitter; Facebook; Pinterest; Coping with the death of a loved one is difficult enough without the added stress of dealing with financial matters. Whether you’re a spouse, parent, child, or friend, the emotional toll could be compounded by worries about finances. MEDICAL BILLS WITHOUT A DUE DATE Sometimes companies send out medical bills without a due date, but they still expect prompt payment. Here's how you can protect yourcredit.
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READY TO PAY OFF DEBT? Credit counseling will help you develop a budget, identify the best debt repayment strategy, and make a plan for achieving your financialgoals.
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WHAT ARE CLIENTS SAYING? CREDIT COUNSELING REVIEWS When I found Clearpoint, I was given compassion and empathy. And, I felt like they understood my situation. My debt started going down, and I felt more empowered. I also realized the danger of overspending. Now that I’ve completed my program at Clearpoint, I know not to spend money I don’t have. And, I don’t get multiple credit cards or fall into the trap of predatory loans. —MarissaRead More
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