{"id":865,"date":"2024-01-22T15:53:33","date_gmt":"2024-01-22T21:53:33","guid":{"rendered":"https:\/\/chesinc.org\/?page_id=865"},"modified":"2024-01-23T11:12:44","modified_gmt":"2024-01-23T17:12:44","slug":"credit-financial-services","status":"publish","type":"page","link":"https:\/\/chesinc.org\/credit-financial-services\/","title":{"rendered":"Credit &#038; Financial Services"},"content":{"rendered":"<section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Recognizing the need for a results driven credit building and restoration program, the team at CHES, Inc. focused on providing financial education &amp; coaching in conjunction with our credit restoration services. This innovative approach guides the consumer to attain financial independence.<\/p>\n<p>CHES, Inc. Credit Restoration goes far beyond credit repair; we are dedicated to helping you to understand and manage your complete credit &amp; financial portfolio.<\/p>\n<p>Our focus is client driven, we\u2019re here to help you to improve your financial quality of life.<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-grid type_grid layout_239 cols_3 ratio_1x1\" id=\"us_grid_1\" style=\"--gap:1.5rem;\" data-filterable=\"true\"><style>@media (max-width:1024px){#us_grid_1 .w-grid-item{width:50%}#us_grid_1 .w-grid-item.size_2x1,#us_grid_1 .w-grid-item.size_2x2{width:100%}}@media (max-width:600px){#us_grid_1 .w-grid-list{margin:0}#us_grid_1 .w-grid-item{width:100%;padding:0;margin-bottom:var(--gap,0px)}}.layout_239 .w-grid-item-h:before{padding-bottom:100%}@media (min-width:601px){.layout_239 .w-grid-item.size_1x2 .w-grid-item-h:before{padding-bottom:calc(200% + var(--gap,0px) * 2)}.layout_239 .w-grid-item.size_2x1 .w-grid-item-h:before{padding-bottom:calc(50% - var(--gap,0px) * 1)}.layout_239 .w-grid-item.size_2x2 .w-grid-item-h:before{padding-bottom:calc(100% - var(--gap,0px) * 0)}}.layout_239 .w-grid-item-h{background:#333}.layout_239 .usg_post_image_1{transition-duration:0.35s;transform-origin:50% 50%;transform:scale(1) translate(0%,0%)}.layout_239 .w-grid-item-h:hover .usg_post_image_1{transform:scale(1.1) translate(0%,0%);opacity:0.1}.layout_239 .usg_post_image_1{position:absolute!important;left:0!important;top:0!important;bottom:0!important;right:0!important}.layout_239 .usg_vwrapper_1{position:absolute!important;right:0!important;bottom:0!important;left:0!important;background:linear-gradient(transparent,rgba(30,30,30,0.8))!important;padding:4rem 2rem 1.5rem 2rem!important}.layout_239 .usg_post_title_1{color:#fff!important;font-size:1.2rem!important}<\/style><div class=\"w-grid-list\">\t<article class=\"w-grid-item size_1x1 post-326 us_portfolio type-us_portfolio status-publish has-post-thumbnail hentry us_portfolio_category-financial us_portfolio_category-services\" data-id=\"326\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/chesinc.org\/portfolio\/build-your-credit\/\" class=\"w-grid-item-anchor\" aria-label=\"Build Your Credit\"><\/a>\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_image usg_post_image_1 stretched\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-buildcredit-1a-1024x1024.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-buildcredit-1a-1024x1024.jpg 1024w, https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-buildcredit-1a-300x300.jpg 300w, https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-buildcredit-1a-150x150.jpg 150w, https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-buildcredit-1a.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/div><div class=\"w-vwrapper usg_vwrapper_1 align_none valign_top\"><h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color entry-title color_link_inherit\">Build Your Credit<\/h2><\/div>\t\t<\/div>\r\n\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-340 us_portfolio type-us_portfolio status-publish has-post-thumbnail hentry us_portfolio_category-financial us_portfolio_category-services\" data-id=\"340\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/chesinc.org\/portfolio\/restore-your-credit\/\" class=\"w-grid-item-anchor\" aria-label=\"Restore Your Credit\"><\/a>\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_image usg_post_image_1 stretched\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-restorecredit-1a-1024x1024.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-restorecredit-1a-1024x1024.jpg 1024w, https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-restorecredit-1a-300x300.jpg 300w, https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-restorecredit-1a-150x150.jpg 150w, https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-restorecredit-1a.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/div><div class=\"w-vwrapper usg_vwrapper_1 align_none valign_top\"><h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color entry-title color_link_inherit\">Restore Your Credit<\/h2><\/div>\t\t<\/div>\r\n\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-339 us_portfolio type-us_portfolio status-publish has-post-thumbnail hentry us_portfolio_category-financial us_portfolio_category-services\" data-id=\"339\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/chesinc.org\/portfolio\/engage-your-financial-future\/\" class=\"w-grid-item-anchor\" aria-label=\"Engage Your Financial Future\"><\/a>\r\n\t\t\t\t\t\t<div class=\"w-post-elm post_image usg_post_image_1 stretched\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-finfut-1a-1024x1024.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-finfut-1a-1024x1024.jpg 1024w, https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-finfut-1a-300x300.jpg 300w, https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-finfut-1a-150x150.jpg 150w, https:\/\/chesinc.org\/wp-content\/uploads\/2024\/01\/ches-svc-finfut-1a.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/div><div class=\"w-vwrapper usg_vwrapper_1 align_none valign_top\"><h2 class=\"w-post-elm post_title usg_post_title_1 has_text_color entry-title color_link_inherit\">Engage Your Financial Future<\/h2><\/div>\t\t<\/div>\r\n\t<\/article>\r\n<\/div><div class=\"w-grid-preloader\"><div class=\"g-preloader type_1\">\r\n\t<div><\/div>\r\n<\/div>\r\n<\/div>\t<div class=\"w-grid-json hidden\" onclick='return {&quot;action&quot;:&quot;us_ajax_grid&quot;,&quot;ajax_url&quot;:&quot;https:\\\/\\\/chesinc.org\\\/wp-admin\\\/admin-ajax.php&quot;,&quot;infinite_scroll&quot;:0,&quot;max_num_pages&quot;:1,&quot;pagination&quot;:&quot;none&quot;,&quot;permalink_url&quot;:&quot;https:\\\/\\\/chesinc.org\\\/wp-json\\\/wp\\\/v2\\\/pages\\\/865&quot;,&quot;template_vars&quot;:{&quot;columns&quot;:&quot;3&quot;,&quot;exclude_items&quot;:&quot;none&quot;,&quot;img_size&quot;:&quot;default&quot;,&quot;ignore_items_size&quot;:0,&quot;items_layout&quot;:&quot;239&quot;,&quot;items_offset&quot;:&quot;1&quot;,&quot;load_animation&quot;:&quot;none&quot;,&quot;overriding_link&quot;:&quot;%7B%22type%22%3A%22post%22%7D&quot;,&quot;post_id&quot;:0,&quot;query_args&quot;:{&quot;post_type&quot;:[&quot;us_portfolio&quot;],&quot;tax_query&quot;:[{&quot;taxonomy&quot;:&quot;us_portfolio_category&quot;,&quot;field&quot;:&quot;slug&quot;,&quot;terms&quot;:[&quot;financial&quot;]}],&quot;post_status&quot;:[&quot;publish&quot;,&quot;pending&quot;,&quot;emexpired&quot;,&quot;expired&quot;,&quot;cancelled&quot;,&quot;refunded&quot;,&quot;completed&quot;,&quot;failed&quot;],&quot;posts_per_page&quot;:&quot;10&quot;},&quot;orderby_query_args&quot;:{&quot;orderby&quot;:{&quot;date&quot;:&quot;ASC&quot;}},&quot;type&quot;:&quot;grid&quot;,&quot;us_grid_ajax_index&quot;:1,&quot;us_grid_filter_params&quot;:null,&quot;us_grid_index&quot;:1,&quot;_us_grid_post_type&quot;:&quot;us_portfolio&quot;,&quot;page_args&quot;:[]}}'><\/div>\r\n\t<\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_40a13bc1 has_text_color height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--gap:4rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3>FAQ<\/h3>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-tabs style_default switch_click accordion has_scrolling\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_chevron cpos_right\"><div class=\"w-tabs-section\" id=\"ha5c\"><button class=\"w-tabs-section-header\" aria-controls=\"content-ha5c\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">How is CHES Credit Restoration different than for-profit credit repair companies?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-ha5c\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>By now you\u2019ve probably seen a lot of For Profit credit repair websites. Most utilize old and ineffective methods. CHES, Inc. is a nonprofit organization; that means we\u2019re here to help you reach your financial goals. As a nonprofit, we have tools and resources available to us that for-profit companies don\u2019t have access to.<\/p>\n<p>The reason so many people choose CHES, Inc. Credit Restoration is because we help you develop a plan. A plan tailored to your specific circumstances, your finances and your goals.\u00a0 We also offer a full scope of money &amp; credit management classes, tools and resources to keep you engaged and on track.<\/p>\n<p>These are just a few of the things for-profit companies still don\u2019t offer.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"gb9e\"><button class=\"w-tabs-section-header\" aria-controls=\"content-gb9e\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">How soon will I see results?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-gb9e\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>You will start receiving results in about 30 to 45 days.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"ncd4\"><button class=\"w-tabs-section-header\" aria-controls=\"content-ncd4\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">How long will the process take?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-ncd4\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>A very realistic window you can expect is 3 to 6 months to go through our entire program, however, you can still attend classes for a full year.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"be40\"><button class=\"w-tabs-section-header\" aria-controls=\"content-be40\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What is a pay for deletion?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-be40\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Some collection agencies will agree to delete the negative listing from your credit report once you pay it off. CHES Credit Restoration works directly with you and your budget to find affordable Pay-for-deletions.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"hf77\"><button class=\"w-tabs-section-header\" aria-controls=\"content-hf77\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Can you help me qualify for a home loan?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-hf77\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Yes. Not only can CHES Credit Restoration help you to become mortgage ready, we also provide home-ownership counseling &amp; home-buyer education that may qualify you for down payment assistance. That\u2019s something a for-profit credit repair company cannot provide.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"a0a4\"><button class=\"w-tabs-section-header\" aria-controls=\"content-a0a4\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Do you contact creditors or just the credit bureaus?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-a0a4\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>As a nonprofit organization, we are able contact anybody and everybody on your credit report. Credit Bureaus, collection agencies, original creditors and attorneys.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"e1e1\"><button class=\"w-tabs-section-header\" aria-controls=\"content-e1e1\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">I still have questions!<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-e1e1\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Not a problem. Call us toll free: 888-815-8016, our counselors will be more than happy to answer any questions you have.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3>Reach Out Today!<\/h3>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><form class=\"w-form  layout_ver for_cform us_form_1\" autocomplete=\"off\" action=\"https:\/\/chesinc.org\/wp-json\/wp\/v2\/pages\/865\" method=\"post\"><div class=\"w-form-h\"><div class=\"w-form-row for_text\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Name\" type=\"text\" name=\"us_form_1_text_1\" value placeholder=\"Name\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Fill out this field<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_email\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Email\" type=\"email\" name=\"us_form_1_email_1\" value placeholder=\"Email\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Please enter a valid email address.<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_text\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Phone\" type=\"text\" name=\"us_form_1_text_2\" value placeholder=\"Phone\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Fill out this field<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_textarea\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<textarea aria-label=\"Message\" name=\"us_form_1_textarea_1\" placeholder=\"Message\"><\/textarea>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Fill out this field<\/div>\r\n<\/div>\r\n<input type=\"hidden\" name=\"action\" value=\"us_ajax_cform\" \/>\r\n<input type=\"hidden\" name=\"post_id\" value=\"0\" \/>\r\n<input type=\"hidden\" name=\"form_index\" value=\"1\" \/>\r\n<div class=\"w-form-row for_submit  align_none\">\r\n\t<button class=\"w-btn  us-btn-style_3\" aria-label=\"Submit\" type=\"submit\">\r\n\t\t<span class=\"g-preloader type_1\"><\/span>\r\n\t\t\t\t<span class=\"w-btn-label\">Submit<\/span>\r\n\t\t\t<\/button>\r\n\t<\/div>\r\n<\/div><div class=\"w-form-message\"><\/div><div class=\"w-form-json hidden\" onclick='return {&quot;ajaxurl&quot;:&quot;https:\\\/\\\/chesinc.org\\\/wp-admin\\\/admin-ajax.php&quot;,&quot;messages&quot;:{&quot;err_empty&quot;:&quot;Fill out this field&quot;,&quot;err_size&quot;:&quot;File size cannot exceed %s MB&quot;,&quot;err_extension&quot;:&quot;%s file type is not allowed&quot;}}'><\/div><\/form><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_132c3214 has_text_color\"><div class=\"wpb_wrapper\"><h3>Resources<\/h3>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-tabs style_default switch_click accordion has_scrolling\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_chevron cpos_right\"><div class=\"w-tabs-section\" id=\"w7bd\"><button class=\"w-tabs-section-header\" aria-controls=\"content-w7bd\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Credit and Divorce<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-w7bd\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Mary for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditanddivorce.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"k948\"><button class=\"w-tabs-section-header\" aria-controls=\"content-k948\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Getting Credit When You\u2019re Over 62<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-k948\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Credit is an important money management tool for both young and older consumers. Yet the elderly, particularly older women, may find it difficult to get credit. If you\u2019re an older consumer who has paid with cash all your life, you may find it diffi cult to open a credit account. That\u2019s because you have \u201cno credit history\u201d of how you paid on credit.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditasaseniorcitizen.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"xacd\"><button class=\"w-tabs-section-header\" aria-controls=\"content-xacd\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Fiscal Fitness: Choosing a Credit Counselor<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-xacd\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Living paycheck to paycheck? Worried about debt collectors? Can\u2019t seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may want to consider the services of a credit counselor. Many credit counseling organizations are nonprofit and work with you to solve your financial problems.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditcounselor.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"hcb9\"><button class=\"w-tabs-section-header\" aria-controls=\"content-hcb9\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">For People on Debt Management Plans: A Must-Do List<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-hcb9\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Reputable credit counseling organizations employ counselors who are certified and trained in consumer credit, money and debt management, and budgeting. Those organizations that are nonprofit have a legal obligation to provide education and counseling.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditdebtmanagementplan.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"he43\"><button class=\"w-tabs-section-header\" aria-controls=\"content-he43\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">A Summary of Your Rights Under the Fair Credit Reporting Act<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-he43\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditinfo_disputes.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"hfc7\"><button class=\"w-tabs-section-header\" aria-controls=\"content-hfc7\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Credit and Your Consumer Rights<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-hfc7\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditinfo_ftc.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"t154\"><button class=\"w-tabs-section-header\" aria-controls=\"content-t154\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Before You File for Personal Bankruptcy<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-t154\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditinfo_prebk.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"q2c7\"><button class=\"w-tabs-section-header\" aria-controls=\"content-q2c7\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Privacy Choices for Your Personal Financial Information<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-q2c7\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Financial companies share information for many reasons: to offer you more services, to introduce new products, and to profit from the information they have about you.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditprivacychoices.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"h435\"><button class=\"w-tabs-section-header\" aria-controls=\"content-h435\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Credit Repair: How To Help Yourself<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-h435\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail, and maybe even calls offering credit repair services.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditrepair_ftc.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"a593\"><button class=\"w-tabs-section-header\" aria-controls=\"content-a593\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Credit Repair: How to DIY and Avoid a Scam<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-a593\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail, and maybe even calls offering credit repair services.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/creditrepairscams.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"f6ff\"><button class=\"w-tabs-section-header\" aria-controls=\"content-f6ff\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Debt Collection FAQs: A Guide for Consumers<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-f6ff\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>If you\u2019re behind in paying your bills, or a creditor\u2019s records mistakenly make it appear that you are, a debt collector may be contacting you.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/debtcollection_ftc.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"q880\"><button class=\"w-tabs-section-header\" aria-controls=\"content-q880\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Advertisements Promising Debt Relief May Be Offering Bankruptcy<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-q880\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Washington, D.C. \u2014 Debt got you down? You\u2019re not alone. Consumer debt is at an all-time high. Whether your debt dilemma is the result of an illness, unemployment, or simply overspending, it can seem overwhelming. In your effort to get solvent, be on the alert for advertisements that offer seemingly quick fixes. While the ads pitch the promise of debt relief, they rarely say relief may be spelled b-a-n-k-r-u-p-t-c-y.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/debtreliefscams.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"g9ef\"><button class=\"w-tabs-section-header\" aria-controls=\"content-g9ef\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">The Fair Credit Reporting Act<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-g9ef\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C. \u00a7 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code (and from West\u2019s U.S. Code Annotated).<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/faircreditact.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"eb60\"><button class=\"w-tabs-section-header\" aria-controls=\"content-eb60\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Fair Credit Billing<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-eb60\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Have you ever been billed for merchandise you returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act (FCBA).<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/faircreditbilling.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"lcf6\"><button class=\"w-tabs-section-header\" aria-controls=\"content-lcf6\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">\u2018Gold\u2019 and \u2018Platinum\u2019 Cards<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-lcf6\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>If you\u2019re looking for credit, be wary of some \u201cgold\u201d or \u201cplatinum\u201d card offers promising to get you credit cards or improve your credit rating. While sounding like general-purpose credit cards, some \u201cgold\u201d or \u201cplatinum\u201d cards permit you to buy merchandise only from specialized catalogues. Marketers of these credit cards often promise that by participating in their credit programs, you will be able to get major credit cards (such as an unsecured Visa or MasterCard), lines of credit from national specialty and department stores, better credit reports, and other financial benefits.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/falseplatinumcardoffers.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"re77\"><button class=\"w-tabs-section-header\" aria-controls=\"content-re77\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Foreclosure Rescue Scams: Another Potential Stress for Homeowners in Distress<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-re77\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>The possibility of losing your home to foreclosure can be terrifying. The reality that scam artists are preying on the vulnerability of desperate homeowners is equally frightening. Many so-called foreclosure rescue companies or foreclosure assistance firms claim they can help you save your home. Some are brazen enough to offer a money-back guarantee. Unfortunately, once most of these foreclosure fraudsters take your money, they leave you much the worse for wear.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/foreclosurerescuescams.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"ofef\"><button class=\"w-tabs-section-header\" aria-controls=\"content-ofef\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Consumers Are Eligible For Free Credit Reports<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-ofef\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>(NAPS)\u2014Your credit report includes information on where you live, how you pay your bills, and whether you\u2019ve been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/freecreditreportad.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"f15b\"><button class=\"w-tabs-section-header\" aria-controls=\"content-f15b\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">The Federal Trade Commission<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-f15b\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>The Federal Trade Commission (FTC) is the nation\u2019s consumer protection champion. The FTC works for the consumer to prevent fraud, deception and unfair business practices in the marketplace.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/gettingstartedwithcredit.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"l2d1\"><button class=\"w-tabs-section-header\" aria-controls=\"content-l2d1\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">How to Dispute Credit Report Errors<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-l2d1\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Your credit report contains information about where you live, how you pay your bills, and whether you\u2019ve been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/howtodisputecreditreporterrors.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"a445\"><button class=\"w-tabs-section-header\" aria-controls=\"content-a445\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Take Charge: Fighting Back Against Identity Theft<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-a445\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>In a busy day, you may write a check at the grocery store, charge tickets to a ball game, rent a car, mail your tax returns, change service providers for your cell phone, or apply for a credit card. Chances are you don\u2019t give these everyday transactions a second thought. But an identity thief does.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/idtheftinfo.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"n5bc\"><button class=\"w-tabs-section-header\" aria-controls=\"content-n5bc\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Choosing A Credit Card: The Deal is in the Disclosures<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-n5bc\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>A credit card lets you buy things and pay for them over time. Using a credit card is a form of borrowing: you have to pay the money back. When you are choosing a credit card, there are many features \u2013 and several kinds of cards \u2013 to consider: Fees, charges, interest rates, and benefits can vary among credit card issuers.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/choosingacreditcard.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"y745\"><button class=\"w-tabs-section-header\" aria-controls=\"content-y745\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Building a Better Credit Report<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-y745\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>If you\u2019ve ever applied for a credit card, a personal loan, or insurance, there\u2019s a file about you. This file is known as your credit report. It is chock full of information on where you live, how you pay your bills, and whether you\u2019ve been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your applications for credit, insurance, employment, or a lease.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/buildingbettercredit.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"p8c3\"><button class=\"w-tabs-section-header\" aria-controls=\"content-p8c3\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">\u2018File Segregation\u2019: New ID Is a Bad Idea<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-p8c3\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>If you have filed for bankruptcy, you may be the target of a credit repair scheme called \u201cfile segregation.\u201d In this scheme, you are promised a chance to hide unfavorable credit information by establishing a new credit identity. Th at may sound perfect, especially if you\u2019re afraid that you won\u2019t get any credit as long as bankruptcy appears on your credit record.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/newidcreditscams.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"da63\"><button class=\"w-tabs-section-header\" aria-controls=\"content-da63\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">The 411 on Disposing of Your Old Cell Phone<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-da63\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>If you own a cell phone, at some point you\u2019re likely to upgrade to a newer model. But what should you do with your old phone? Options include recycling, reselling, and donating. Before you hang up your old phone for the last time, the Federal Trade Commission, the nation\u2019s consumer protection agency, wants you know how to dispose of it properly.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/oldcellphoneinfocredit.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"hbfe\"><button class=\"w-tabs-section-header\" aria-controls=\"content-hbfe\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Time-Barred Debts<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-hbfe\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>There\u2019s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors \u2014 or if you dispute the legitimacy of a debt \u2014 a debt collector may contact you. \u201cTime-barred\u201d debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General\u2019s Office at www.naag.org to determine when a debt is considered time-barred in your state.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/olddebtlaws.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"vd6d\"><button class=\"w-tabs-section-header\" aria-controls=\"content-vd6d\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Out of Work? How to Deal with Creditors<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-vd6d\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>It\u2019s become an all-too-familiar headline and lead story job cuts, dot.com failures, corporate restructuring, and lay-offs. If you\u2019ve recently lost your job, your first thoughts may be, \u201chow will I make ends meet\u201d. Money matters are a source of stress and frustration for many people. The Federal Trade Commission (FTC) publishes free brochures spelling out your rights when it comes to fair debt collection and credit reporting practices.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/outofwork_credit.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"pedc\"><button class=\"w-tabs-section-header\" aria-controls=\"content-pedc\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Secured Credit Card Marketing Scams<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-pedc\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Ads like this may appeal to you if you have a poor credit history or no credit at all. Beware: while secured credit cards can be an effective way to build or re-establish your credit history, some marketers of secured cards make deceptive advertising claims to entice you to respond to their ads.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/securedcreditcardscams.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"j075\"><button class=\"w-tabs-section-header\" aria-controls=\"content-j075\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Pretexting: Your Personal Information Revealed<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-j075\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>When you think of your own personal assets, chances are your home, car, and savings and investments come to mind. But what about your Social Security number (SSN), telephone records and your bank and credit card account numbers? To people known as \u201cpretexters,\u201d that information is a personal asset, too.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/keepingyourinfoprivate.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"c1e0\"><button class=\"w-tabs-section-header\" aria-controls=\"content-c1e0\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Knee Deep in Debt<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-c1e0\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/kneedeepindebt.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"e374\"><button class=\"w-tabs-section-header\" aria-controls=\"content-e374\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Mortgage Payments Sending You Reeling?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-e374\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>The possibility of losing your home because you can\u2019t make the mortgage payments can be terrifying. Perhaps you\u2019re having trouble making ends meet because you or a family member lost a job, or you\u2019re having other financial problems. Or maybe you\u2019re one of the many consumers who took out a mortgage that had a fixed rate for the first two or three years and then had an adjustable rate \u2013 and you want to know what your payments will be and whether you\u2019ll be able to make them.<br \/>\n<a href=\"https:\/\/www.secureclientaccess.com\/common\/index\/loanmodsforhomeowners.pdf\/resources\">Download the Complete Document<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_01413a0a has_text_color height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3>Certifications &amp; Experience<\/h3>\n<p>CHES, Inc. Advisers are NeighborWorks Certified in Foreclosure Prevention, Financial &amp; Credit Management, Education &amp; Counseling, HUD Approved Homebuyer &amp; Homeownership Education (including Pre &amp; Post Purchase). Additionally, each Adviser has a background in real estate, responsible lending, and business &amp; financial management.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3>Commitment to Excellence<\/h3>\n<p>CHES, Inc. is HUD Certified, and an adopter of The National Industry Standards for Homeownership Education &amp; Counseling and The National Loan Modification Scam Alert Campaign. Each CHES, Inc. Adviser is committed to the National Industry Code of Ethics and Conduct for Homeownership Professionals. We are committed to providing excellence and measurable results to those we serve.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"Engage Your Financial Future CHES, Inc. Credit Restoration clients have 24\/7 access to our online education course designed to fit your busy schedule. Simply log-in, start and stop at your own pace. You\u2019ll never lose progress, the system remembers exactly where you left off. Once logged in, you can: Personalize your course to fit your...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-865","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit &amp; Financial Services - CHES Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/chesinc.org\/credit-financial-services\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit &amp; Financial Services - CHES Inc.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/chesinc.org\/credit-financial-services\/\" \/>\n<meta property=\"og:site_name\" content=\"CHES Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pages\/CHES-Inc\/406096355489\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-23T17:12:44+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@CHESINCORG\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"18 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/chesinc.org\/credit-financial-services\/\",\"url\":\"https:\/\/chesinc.org\/credit-financial-services\/\",\"name\":\"Credit & Financial Services - CHES Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/chesinc.org\/#website\"},\"datePublished\":\"2024-01-22T21:53:33+00:00\",\"dateModified\":\"2024-01-23T17:12:44+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/chesinc.org\/credit-financial-services\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/chesinc.org\/credit-financial-services\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/chesinc.org\/credit-financial-services\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/chesinc.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Credit &#038; 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