Financial Independence Planning

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Financial Independence Planning
Our financial coaching is always personal,
confidential, professional and constructed to
reduce the financial stress that comes with debt.
We help you create a realistic debt repayment
plan. We will educate you to help you stay on
track with your personal finances and provide a
budget that works so you can live a debt-free
lifestyle, or reach other financial goals that
are important to YOU! We always have our clients
best interests at heart.
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Services
Financial Independence Planning Do you have an
income? Are you tired of living in your parents
basement, but dont know how to live on your own
financially? I can help by educating you on the
basic expenses of making an independent life
work. Credit Score Improvement Have you been
turned down for a loan, mortgage, job, or even an
apartment because of your low credit score? I
have worked my credit score into the 800s and I
can help you too. This is not one of those
credit repair programs that promise to wipe out
bad (true) remarks on your credit report. This is
about realizing where you are and working
together to get your score where you want it to
be. Stop letting your financial worth be judged
by a 3-digit number. Realistic Budget
Creation Sure, it would be nice to live on a
tight budget built for a high-school student, but
this is real life and your budget needs to
reflect your situation. Let me help you
prioritize where your funds will go, not just
where youd like them to go.
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Services

• Debt Management Plans
• Dreading the mail carrier or that unknown 800
  number calling you? Stop the fear in its tracks
  with a plan to pay down the debt. Its didnt
  magically accumulate itself and its definitely
  not going to disappear on its own either.
• Student Financial Aid Answers
• Is filling out the FAFSA confusing? Do you need
  to be educated on the differences in student loan
  options and repayment terms? I can help with that
  as well and put things into plain language that
  you can understand.
• Collection Account Resolutions
• Accounts in collections? I cant get you out of
  them, but I can recommend some ideas to make
  their calls and letters less painful. I have
  helped many clients dump their collection
  agencies and start over.
• Personal Financial Education
• Have a personal finance question related to
  credit or debt? Chances are I can provide you an
  accurate answer or know where to find it.

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Services
Financial Crisis Resolution Just laid off?
Wondering how youll survive maternity leave?
Recent death in the family? I can help you
through these situations as a non-biased, third
party with your best interests in
mind. Premarital Financial Coaching Most
marriages ending in divorce have to do with money
troubles. Dont be one of them. I can help you
get on the same page before or shortly after you
say I do.Small Business Serviced
Offered Financial Organization Organizing your
office to optimize the efficiency of accounts
payable and receivable.
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Credit Reporting Mistakes Common
The 3 main credit reporting bureaus in the USA
are Experian, Equifax, and Transunion. Creditors,
Employers, and Landlords have their own
preference of which bureau(s) they prefer to use
when checking applicants credit history. Its
almost a given that if you were to check your
credit report with each the of 3 main bureaus,
there would be differing information on each.
There may be a mistake on one, but not the
others. Some accounts may have not been updated
for months or even years. Closed accounts may say
closed by merchant when really it was closed
at customers request. You may think that these
little mistakes arent worth fixing, but the
way the credit checker interprets those remarks
could be the difference between you getting the
job of your dreams or not. Other mistakes could
put you and your family in sub-prime living
conditions.
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For more information visit on website
http//www.ontrackfinancialcoaching.com