If you feel you need help getting your finances in order, a credit counselor may be of use to you. Unfortunately some scammers and con artists posing as credit counselors are more interested in taking your money than helping you get back on your feet. There are things you need to know before contacting anyone about credit counseling. This video explains what to look for in a credit counselor, when you should consider contacting a credit counselor, and what you can do on your own to improve your credit.
Save money when you are broke by increasing your income with a second job, taking a close look at expenses and cutting out unnecessary spending. Consult a non-profit credit counseling agency for help with saving money using tips from a financial service specialist in this free video on saving money. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
Creative ways to lower monthly bills include creating a monthly budget, cutting out minor expenses, getting rid of unnecessary services and renegotiating debts. Get debt refinancing terms in writing before making any payments with advice from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
A certified credit executive is an individual who has taken classes on how credit works and how to give options to people with credit problems. Make sure a credit executive is certified and not working for profit with advice from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
Each state has different regulating standards for credit counselors, but make sure the agency is affiliated with the AICCCA or NFCC. Choose a credit counselor that has a clean report with the better business bureau with insight from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey
When choosing a credit counselor, be wary of agencies that use aggressive tactics and always get written disclosures. Find a credit counseling agency that is a member of the AICCCA with tips from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey
One of the largest independent finance brokers in the country. We have staff who are highly professional and experienced in a wide range of loan solutions and are ready to deal with your applications.Whatever type of Finance you require we could help. Borrow from for any reasonable purpose…
An unsecured credit card is a credit card that has no security behind it, meaning that it is not tied to any collateral. Get an unsecured credit card by having good credit with insight from a financial service specialist in thisfree video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
Set up a household budget by recording all expenditures for a month or two, organizing expenses in different categories and deciding which expenses are necessary and which can be cut out. Be honest and record every single expense when setting up a budget with instructions from a financial service specialist in this free video on budgets. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
Buying a car on a consolidated credit loan requires discussing the price of the car, talking to an attorney on the consolidation case and making sure that the car will help you make money to pay off debt. Find reliable counsel to discuss buying a car with consolidated credit using help from a financial service specialist in this free video on consolidated credit. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz