What Your Membership Includes:

Credit Education - Our online education resources provide comprehensive information on credit management, debt collection and money management.

Our Credit Management Series helps consumers with understanding how their credit works. Our Debt Collection Series examines consumer credit rights and the credit laws that protect them. Our Money Management Series gives practical advice on money matters.

**Your Free Membership entitles you to the following services for only $175 a savings of $200, And there's more, for only $35.00 per month, you have access to your very own personal credit coach- to help you step by step when dealing with unforeseen credit challenges.

Credit Analysis

This service explains the basics of credit analysis. Learn the factors credit reporting agencies use to determine your credit score. Find the "strings attached" with a free credit report, and how a credit report differs from a credit score. Finally, our credit analysis service provides you with baseline scores so you know how to rate your credit score.

Credit Reporting

This service explains how credit reporting works. Learn who the credit reporting agencies are, and what they look at when creating your credit report. Discover who has access to your credit report and what circumstances allow them to legally access your credit report without your permission. Like it or not, our credit reports affects many aspects of our life. Understand how your credit report defines you.

Your Credit Rights

This service explains your consumer credit rights. We provide an overview of major US credit laws and how they affect your life. Our credit rights services answers common questions associated with the following credit laws: the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, and the Fair Credit Billing Act.

Credit Counseling

This program assists you in reducing your debt by virtually cutting it in half. Our expert negotiators will help you rebuild your personal budget, consolidate your credit card debt, lower payments and reduce your interest rates.