Services

For many of us, finance is a taboo subject. Honestly, few people like to talk about their salaries, financial debts, or goals. But the reality is that money has a significant role in our daily lives, and it's vital to remain honest about it. Similarly, if you are tired of living under the weight of too much debt or you think that you will never go ahead? Well, a credit counselor can help.

A credit counseling service also helps individuals and businesses to get out from under the stress of debt. These counselors work with you and develop a practical plan according to your specific needs and situation. Plus, they will be there all through the way.

Besides, Credit counseling services help you create a budget, dispute with creditors, and arrange your debts.

So, you've finally sought professional help for your money problems. That's great! The first step is finding a reputable agency or counselor. Once you've done that, the next step is to schedule a consultation.

First, they will ask you for the details of your credit report. The more information you can arrange and provide, the better your credit counselor can help you. While working with a credit counselor, another thing to remember is to remain realistic about your financial situation.

It's important to be honest with the counselor about your income and expenses. This way, they can create a realistic and practical credit plan that you can easily adopt.

SmartChoice Credit Counseling Services:
• Budget & Debt Counseling
• Credit Counseling for Bankruptcy
• Family Credit Counseling
• Pre-Bankruptcy Credit Counseling
• Budget Counseling
• Debt Management Credit Counseling
• Online Credit Counseling Service

Credit Repair

Your credit score matters a lot, but it's not everything.

SmartChoice Credit knows that a good credit score is essential for many reasons - like getting a car loan or a mortgage. But we also know that your credit history isn't the only thing that matters. Our exclusive credit repair services are designed to fix and improve your credit history and credit score.

Let us help you get there today.

Building Business Credit

A good business credit profile and score can be the difference between having a prosperous business or being at the helm of a sinking ship. You need money and credit to grow, especially to grow into a highly successful business. This is one commonality ALL successful businesses have established business credit. Facebook, Microsoft, Apple, and every highly successful private and public company has business credit. The business can use its own credit profile to grow, without the owner or CEO providing personal credit or liability to secure that credit. Walmart gets 80% of their total cash injection from business credit alone. This is one of the reasons they have grown into one of the largest retailers in the world. But what about you? Do you have business credit established now? Can you go out right now and get a high-limit store and cash credit cards for your business? Can you do so without having to put your Social Security number on the application? If not, you need business credits.

It may be the only thing holding you back from ultimate success.

Grow Your Business, Without the Risk

When you put your SSN on a credit application, you are almost always providing a personal guarantee. This means you are personally liable for your business debts so if you were to default on one of these obligations, the creditor will pursue your business assets first, then they’ll come after your personal assets including your home, your cars, your stocks and bonds, your bank accounts and any and all other assets. Business owners don’t expect to fail but unfortunately, 90% fail. It makes no sense to put you and your family’s financial future in jeopardy when you know going in that you have a 90% possibility of ruining it. Remember, many times the reasons a business might fail have nothing to do with you, or things you can control, like shifts in the economy. So, don’t risk it all if you don’t have to. There is no question, starting and running a business IS risky. This is why most conventional banks make it so hard to get a loan so DON’T use a personal guarantee unless you have to. With many business loans you will need to. But with business credit you DON’T need to as long as you build business credit.

Remember, when done right, you can get business credit without providing your SSN.

Student Loan Assistance

Worried about your student loans?

You’re not alone. Millions of students have taken out loans to pay for school, and many are feeling the pressure of repayment. That’s where we come in. We can help you develop a plan for repaying, managing and providing relief from your student loans – so you can get on with your life.

At SmartChoice Credit, we know every penny counts when paying back student loans. That’s why we offer low-cost counseling services to help you save money and stay on track.

We want to ensure you have the best chance of repaying your loans successfully.

A credit counselor is like a personal trainer for your money. They help you review your finances, set goals, and develop a plan to get you where you want to be.

Just like a trainer, a credit counselor will motivate you, keep you accountable, and provide support and encouragement. And, just like a trainer, a good credit counselor will tailor their approach to your individual needs and challenges.

So if you’re feeling overwhelmed by debt or struggling to make ends meet, consider hiring a credit counselor from SmartChoice Credit. With our help, you can get your finances in shape and start achieving your financial goals.