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Personal Credit and Money Management is Important: It can be extremely difficult when being in debt becomes a problem. Yet, credit counseling has proved to be beneficial for millions of people having to face debt issues. The first sign there could be a problem, is rejections when seeking credit. Lenders will view their applicant's credit status before approving any loans, and if credit is not good, they reject the applicant.

Credit counseling has helped people who have been unable to pay all their bills, and who have exhausted all means to solve their problems without professional help. Counselors can train people how to spend responsibly, even when using credit cards, and how to manage debts that have been owed far too long.

Lending institutions do not like to get missed or late payments. Just like people expect to get their paycheck, creditors like for their customers to pay their bill on time. People often get into money problems when they carry too many credit cards and they over-spend, thus ending up with high card balances. When they ignore the bills, late fees and higher interest rates could be added which leads to being more in debt.

A credit counselor may be able to help people who are in debt, by reviewing their finances. They can figure out how much a person owes and analyze some spending habits that are causing bills to go unpaid. Along with this, they figure the net income and expenses, and work out a plan for an affordable monthly payment. They are able to educate clients about how to manage their finances productively.

Counselors may recommend negotiating with creditors for revised repayment options, or to consider credit consolidation. They know the types of available solutions, because they are experts at what they d, and they are very knowledgeable in their area. They are good at explaining credit report scores and the types of credit inquiries that appear on the report. They can give valuable tips on how to repair credit and financial tools to use to rebuild scores. When all options have failed, credit counseling programs may be a resource to use to get debts under control

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

MyNewLifeCredit.com Review - New Life Credit © 2008

If you have clients that are marginal, bad, or previously been denied a mortgage because of their credit. We will work with them on a one-on-one counseling basis until we get them qualified. This process may take as little as 6 months or up to 1 year. Once re-qualified, we will bring your client back to the referring agency and/or organization to obtain their mortgage.

New Life Credit provides all services, educational training and one-on-one counseling in the field of home ownership to pre-qualify the client. The services of this program include:

* Provide One on One Credit Counseling and Education on
Creating a budget
Credit and how it works
Cost, up front and on-going
Qualifying ratios
Repayment ability
Excessive debt
Shopping for a home
Home ownership responsibility
Basic rules of money management
Down payment/Closing cost assistance
* Identify credit problems
* Assist client in satisfying all credit obligations
* Prepare letters of explanation to credit bureaus concerning negative remarks
* Remove inaccurate, erroneous and obsolete items from credit report
* Bolster credit by adding positive accounts
* Negotiate settlement agreements with creditors and/or collection agencies
* Prepare settlement agreements for payments and/ or cash discounts
* Prepare all letters and documents to accomplish all the above steps

New Life Credit professional counselors provide confidential and professional debt counseling with understanding, plus workable solutions including but not limited to the following:
* To understand your debt, how it can compound and how it can enslave you
* Develop and commit to your personal budget
* Show how your personal values determine where, when and how you will spend your money
* Setup and prioritize realistic financial goals (both immediate and in the future)
* Understanding the difference between a “WANT” and a “NEED”
* Study your own spending habits with your “Day-to-Day Expense Form” to determine where your money is being spent on a daily basis
* Encourage savings for unexpected expenses and/or emergencies that arise
* Educate the consumer on anticipating problems that may arise in the future
* To make the consumer a informed and educated spender

NEW LIFE CREDIT RESTORATION SERVICES, INC.
PMB 133
3956 Town Center Blvd.
Orlando, FL 32837

Toll Free: 1-866-346-3411

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