Having good credit can benefit you in many aspects. Your credit history is reviewed by former employers, insurance companies, landlords and firms from whom you seek to obtain financing.

For mortgage approval, depending on your credit score, you may qualify for certain types of mortgage financing, down payment assistance and/or grant resources that can save you tens of thousands of dollars throughout the life of the loan.

Debt Consolidation & Credit Repair Companies

Affordable Housing Center of PennsylvaniaWhen deciding on a company to work with, it is important to thoroughly investigate their operations and reputation. Research the company. Read their reports from the Better Business Bureau and the Federal Trade Commission. Yelp and other review sites can give more insight on their satisfaction rates. Ask for customer references if you are looking to receive assistance on managing your credit and disputing collection accounts. Remember – you can personally execute most of the work that you are paying them to do.

Working with AHCOPA: The Credit Counseling Difference

AHCOPA’s credit counseling services are incorporated into our other housing counseling programs. You will pay only for the costs to obtain your tri-merge credit report with all three scores. As of January 2017, a tri-merge credit report is $20.10 for a single report and $38.20 for a joint report.

The tri-merge credit report includes:

  • A “what-if” scenario that examines possible actions you can perform that will result in a credit score to be mortgage eligible.
  • Contact information for all the credit accounts owed.