Affinity offers free credit counseling services through Navicore Solutions. For members who prefer in-person support, Navicore also has an office located in New Jersey. All of Navicore’s credit counselors are certified by respected organizations, including the National Foundation for Credit Counseling, after completing rigorous examinations in credit and money management. Any information you share with your credit counselor is kept in the strictest confidence.
Credit Report Review including:
- Your overall financial picture
- How to improve your credit score
- The negative and positive factors that can affect your credit score
- Credit line utilization
- Explanation of judgments and derogatory marks (accounts in collections, bankruptcies, civil judgments, and liens) and how long these remain on a credit report
- The best way to close accounts and remove trades from your credit report
Budget Review including:
- Thorough review of your financial situation and monthly expenses
- Guidance on where you can cut back to increase positive cash flow
- Recommended payment plan options to decrease debt load
- Alternative financing options to improve your credit, monthly cash flow and financial stability for the future
