It’s hard for most people to ask for help. Doing so is not a sign of weakness, but rather a sign of courage and strength to stand up and trust another. Vivix Credit Solutions can be trusted to help you with your credit troubles, regardless of what they may be. There are certain times when seeking the professional help of a credit counselor comes in most handy and a few of these are detailed below. If you are getting behind on payments, want a budgeting plan, are receiving calls from collectors, or want to prepare for a home loan application, Vivix Credit Solutions can help. Call today for a no-obligation consultation and we’ll be happy to help.
Late Payments
The number one cause of a dropping credit score is late payments to the creditors. Nothing destroys your credit faster and so many consumers are unaware of how damaging just one or two late payments can be. Vivix Credit Solutions offers credit coaching and repair services for those who are having trouble getting their bills paid on time, regardless of the cause. Often, a simply budget plan can help bring your finances under control so you can get your bills paid. Automatic online payments and bill pay services also help alleviate late payments and late fees.
Loan Preparation
A great reason to see a professional credit counselor is for preparation of applying for a major loan, such as a mortgage. If your credit profile is damaged from previous late payments or collections, receiving credit repair advice and services can turn you into a low credit risk and significantly raise your credit score in time for your loan application to go through. During a consultation, Vivix Credit Solutions will develop a credit repair and coaching plan tailored for you. Because raising your score takes time, it’s always advisable to plan as far ahead as possible.
Overwhelming Debt
Perhaps you are still paying all your monthly payments on time, but it’s getting harder each month due to the overwhelming amount of credit you have. Seeking credit coaching before you encounter collections and legal action is the best step you can take for yourself, and Vivix Credit Solutions can help. There are a number of services that may help if you find yourself in this situation, such as credit counseling, debt settlement, and consolidation of debts. Don’t’ despair and stop paying altogether – contact Vivix Credit Solutions and we’ll help you find the answer.
Collection Calls
Once you begin receiving phone calls and messages from debt collectors, local credit collection agencies, and attorney’s offices, you know it’s time to take action. Do not be mistaken in thinking it is too late to turn your credit around. Vivix Credit Solutions helps clients regardless of the level of credit trouble they find themselves in, and will find the solution that fits your unique situation. Once accounts enter collections, fees begin piling up – and fast – so it’s important to call Vivix Credit Solutions now so we can halt the collections and help you get your bills paid.