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Consumer Credit Education<< back to Non-Profit Counseling

If you're thinking about buying a home, you should be thinking about your credit first. Understanding your credit is the first step when considering homeownership.

When you apply for a mortgage, lenders will review your credit report. Your credit report is a history of how you've managed your finances: it's a record of money you've borrowed, your history of paying it back, and how much open credit is available to you.

Educating yourself about your own credit before you begin the home buying process is a must. Your credit history follows you wherever you go, and it will have a big influence on your ability to get a loan, the terms of that loan, and the interest rate.

The excellence of our counseling staff is the cornerstone of the NID-HCA counseling delivery system. The NID-HCA counselor teaches our clients, among other things, the importance of good credit, the types of credit reports, credit laws, the FICO credit score, and how to build credit history.

Understanding credit and how your credit history affects the home buying process is one of the most important educational opportunities in which you will invest. The NID-HCA consumer credit counseling program will assist you in learning about the process of obtaining and maintaining a good credit score. The program will cover the process from beginning to end.

  • The curriculum will include:
  • The Importance of good credit
  • The three credit bureaus
  • Free Annual Report
  • Thorough explanation of the credit report
  • FICO credit score
  • Consumer credit laws
  • Effects of Negative Credit
  • How to build credit history
  • Personalized 1 on 1 Counseling to address credit issues

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Our mission is to improve the quality of life in America's cities. We will accomplish this as partners, working together with our friends and neighbors. We will help our communities become places where families can live in a safety, prosperity and harmony; places where the American dream of home ownership can flourish; places where fair, decent and affordable housing is a reality for all people.

Certified Housing Counselor
NID Housing Counseling Agency
Inland Empire Regional Office

 

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The information contained in this website is intended to be used for informational purposes only and to provide a general overview of the topics described herein. There may be tax and other legal consequences associated with a short sale. ShortSaleDebt.com makes no representations or warranties concerning potential tax or legal consequences relating to any final disposition of any property. Clients are advised to consult with a tax professional regarding the potential tax consequences for their particular situation. ShortSaleDebt.com is providing a service in response to a complex situation and offers a recommended solution where possible. Nothing is represented as tax advice to our clients as every situation may result in different tax consequences. ShortSaleDebt.com is not a law firm or an accounting firm and regarding any specific questions relative to any transaction, ShortSaleDebt.com strongly encourages all parties, agents, and brokers involved in a transaction to seek such advice from a professional advisor.

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