What We Do
IT'S TIME TO TAKE CONTROL OF YOUR FINANCES
Does the idea of looking at your bank account and credit card statements make you break into a cold sweat? Do you have goals you want to accomplish? Personal Financial Coaching just may be what you need to get you moving.
As your financial coach I will help you understand the basics of personal finance and help you develop and maintain healthy financial habits. I will first review your financial history, credit history, credit score, and outstanding debts before discussing the best options available to you.
Whether you are looking for advice on the best credit card or trying to reduce burdening debt, your coach is standing by to help. There is no reason to navigate tricky financial decisions on your own. Rather, depend on the pros to help point you in the right direction!
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Identify financial goals
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Map out a plan of action
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Create a working budget
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Develop new habits and break old ones
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Deal with collectors
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Eliminate debt
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As you Personal Financial Coach I can assist you by phone or video conference. All of it is 100% confidential.
WHAT GOALS CAN I ACHIEVE?
You name it! We have helped clients achieve everything from creating an emergency fund to buying a home.
Here are some common goals:
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Improve credit score
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Live on a budget
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Save for a rainy day
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Buy a car
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Pay for college
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Plan for retirement
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Reduce debt
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Become a homeowner
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Start a business
WHAT YOU DEFINITELY WON'T GET:
Judgment of any kind: We are programmed by society to feel uncomfortable talking about money, but sometimes these discussions need to happen. H3 Credit Solutions prides itself in a judgement free counseling zone since no one wins in that setting.
Biased financial information: Since we are independent from all banks and financial product sponsors, you can expect our honest feedback.
Unexpected fees: You will pay a set fee per session or package if you purchase multiple sessions at once... nothing more.
PRICING
CREDIT EDUCATION & DOCUMENT PREPARATION
We have fees as low as $99.95 a month which includes FREE credit monitoring
We do not charge an hourly fee
We charge less than you would pay for a few hours with an attorney
We do not stick you with any hidden fees
We will be there for you every step of the way
We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies. Our fees are reasonable and there are NO long binding contracts.
We guarantee results or your money back!
WHAT YOU NEED TO KNOW
Prior to starting credit education and document processing services, you will sign a client agreement along with the following:
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Credit Service Agreement
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Authorization for Credit Repair Action
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Consumer Credit File Rights (CROA Disclosure)
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Right Of Cancellation Notice
THE SERVICES WE PERFORM MAY INCLUDE
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Document preparation and credit education. We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.
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We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.
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You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.
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Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.
In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.
It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.