Credit Coaching

I educate clients on how exactly to increase their credit (FICO) score and on what lowers it. We live in a credit-based society, and credit scores are used regularly by anyone with whom you have a financial relationship. You must manage your credit score to occupy a power position with your finances. I have also found that many couples don’t communicate well when it comes to money. I love empowering couples with better credit and helping them to learn how to support each other in a long term financial partnership!

Knowing your credit score and what it means to the people looking at it, is just as important as knowing how much money you have in the bank. I work to educate and empower my clients with better credit.  Your credit score is checked for just about everything these days…from purchases of cell phones, car insurance and even for promotions at work!

Here are a few reasons to raise your credit score:

  • Are you buying a car?
  • Applying for a job? Yes, even this requires a credit check.
  • Looking for a home loan?
  • Looking to rent an appartment?
  • Buying furniture on credit?

“I just had an amazing credit coaching session with Cristi Earnshaw. She used proven strategies to raise my credit score and all it took was a few hours this afternoon.”
Michael Franklin

Individual Credit Coaching: 
Working with me, clients get a ‘true credit score’ (people don’t realize there is only one).The initial steps we will take together include:

  • A thorough review of the client’s current financial status.
  • A clear and understandable explaination of their current financial standing.
  • List priorites and what needs to be addressed first.
  • Begin phone calls together to negotiate lower interest rates, get fees waived in some cases and settle old debt.
  • The client gets educated about their credit, what to do to improve it and what not to do so.
  • Follow up to ensure the best possible credit (FICO) score.

Excellent credit places you in a power position financially.

Couples Credit Coaching
I was surprised to learn recently that many couples, even those who’ve been together for years, don’t know each other’s credit score. Let’s face it, couples aren’t always forthcoming with each other about their finances.

So I designed a ‘Couples Credit Coaching’ session aimed at helping people come clean to each other about their finances. Healthy financial intimacy is essential to any long term partnership.

That’s why I came up with ‘Couples Credit Coaching’.  I can really help with this. It’s open and honest moneyeducation. And I love empowering couples with better credit!

I have studied and researched credit for over 15 years. During that time I made many connections to credit card reps and supervisors from whom I have gained valuable information.

Individual Credit Coaching sessions in person when I come to your home or office.  $150 per hour with a 2 hour minimum.

Couples Credit Coaching for newly engaged, married couples or partnerships.  Couples Credit Coaching is $300 per hour.

Out of town clients or anyone just needing a few questions answered about their credit, I offer Credit Coaching phone consultations over the phone at $75 for 1/2 hour.

“Thank you so much for all the wonderful help you gave me on improving my credit FICO score.  I was very excited about applying the simple steps one can take to make a big difference in interest rate, improving the score as well as taking off items that should not even be on the report. You are awesome and make the process fun!”   
Dr. Kathie Mathis, Psy.D, NCP, DAP