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What services can BALANCE Provide?

CREDIT REPORT REVIEW (SPECIAL PROGRAM FOR THOSE WITH A SCORE UNDER 650 OR THOSE THAT WISH TO REVIEW, UNDERSTAND OR IMPROVE
THEIR SCORE)

Review credit reports, answer questions about credit scoring, help build a strong credit history, and assist with correcting any

inaccuracies that appear on credit reports.

DEBT COUNSELING
Create a comprehensive plan to get a person out of debt. They work on communications with creditors, explore consolidation

loans. They design effective plans for becoming debt free..

BUDGET COUNSELING

Counselors review current spending patterns and create a spending plan and create financial goals to develop an action plan for

overcoming challenges that threaten future growth.

HOUSING: FORECLOSURE PREVENTION/DEFAULT COUNSELING

Help with employees at risk of falling behind on their mortgage payments or anyone already delinquent? A HUD-certified Housing

counselor will work with employees and their mortgage servicer to identify which options are available to you.

HOUSING: PRE-PURCHASE COUNSELING
A neutral, non-biased, HUD-certified Housing counselor will help navigate the roadmap to homeownership. A housing counselor

will help you:

 Understand how much buying power you have

 Create a successful and sustainable spending plan