Credit Building
Free Credit Counseling – Services Offered
Residents can access free credit services at the Mount Vernon Financial Empowerment Center. Our certified financial counselors are ready to help you understand and improve your credit score, resolve debt issues, and build strong credit habits. Whether you’re looking to repair damaged credit, establish credit for the first time, or simply learn how credit works, our team will provide you with personalized guidance to help you reach your financial goals.
Based on your individual situation, counselors can help you:
- Read your credit report
- Learn how to improve your credit
- Learn how good credit can help your financial future
- Review your credit report for accuracy
- Dispute any inaccuracies on your credit report with the credit bureaus
- Negotiate with creditors seeking payment for accounts in collection
- Create a plan to pay down debt
- Prepare ‘cease and desist’ letters to creditors that are harassing you
- Create a plan to address issues with identity theft
- Establish credit wisely if you do not have any credit history
Improve Your Credit Score with Free Credit Counseling at Mount Vernon Financial Empowerment Center
Whether you’re planning to buy a car, become a homeowner, start a business, or rent an apartment, having a strong credit score is key. The process of building or repairing credit can often feel overwhelming. Many people face setbacks with credit and struggle to figure out how to recover. That’s where the Mount Vernon Financial Empowerment Center (FEC) comes in. Our financial counselors will walk you through your credit report step by step, helping you understand how to improve your credit. They’ll provide free credit counseling and work with you to create—and implement—a plan to get your credit score where it needs to be.
Free Credit Counseling to Help You Achieve Your Financial Goals
At the Mount Vernon FEC, our counselors will help you find the best path to establish credit, address any issues or errors on your credit report, and improve your credit score to reach your financial goals. They’ll support you every step of the way, providing guidance and encouragement as you work to build or repair your credit. Let’s work together to make your financial future brighter!
Let us help you take the next step toward financial success!
The Mount Vernon Financial Empowerment Center is a municipality that operates through a partnership between the City of Mount Vernon, Mercy University, Westchester County, and key community organizations. Together, we are committed to helping our community members achieve financial well-being, with the ultimate goal of improving their overall quality of life.