Vision Credit Education, Inc.

Your Nonprofit Credit Counseling Organization

Eliminate Debt, Build Credit

Vision Credit Education, Inc. provides financial counseling programs that help you eliminate debt and build credit. We are highly trained to help you assess your financial situation, review options and provide you with the feedback you need to make a good decision.

We help you understand how credit works, why it is important and what you can do to protect it. From establishing credit to repairing credit, we show you how you can build a strong credit history.

For example, higher interest rates might interfere with your ability to pay off your debt. Higher payments might be difficult to afford. Even fees can jeopardize your ability to stay current.

Cards and Cash

Find out how to fix all three problems. We can show you how creditors are willing to permanently lower your interest rates, lower your payments and even waive fees. In fact, most major credit card companies financially support a program that does exactly that.

You may qualify for benefits through a debt management program. Additionally we can help you with other debt repayment strategies. Discover why our counseling program can help you eliminate debt and build credit. Welcome to Vision Credit Education!

Recent Articles:

What does it really cost to repay $40,000 in credit card debt?

May 16th, 2013 by Kenneth Long

That $40,000 in credit card debt might seem manageable, but if you carry it long term, it could easily cost you over $70,000 in interest over a decade and still owe the entire amount. The decision to eliminate those high balances is admirable, but you still need to understand the costs of each method for ridding yourself of that burden. Read the rest of this entry »

Is your stay-at-home wife skimming at each purchase?

April 30th, 2013 by Kenneth Long

One of the best kept secrets of stay-at-home spouses is a means for skimming a bit of extra cash off of ordinary transactions. By taking advantage of the cash back feature when making purchases, wives are able to grab a bit of cash each time they make a purchase to use towards their own wants. Read the rest of this entry »

I am behind on credit card payments–Can I just start over?

March 21st, 2013 by Kenneth Long

So many of our new clients state that although they are behind on their credit card payments, their situation has improved to where they could afford their original minimum payments. They just might, if that were possible. Read the rest of this entry »

Minimum monthly payment of $25 applies to Chase credit cards

January 8th, 2013 by Kenneth Long

Having a small minimum monthly payment is one of the great appeals of using a credit card to spread out purchases. However, Chase has found that cardholders that only make a $10 monthly payment have a higher default risk. In order to reduce their default rates, Chase implemented a $25 floor on their minimum monthly payment calculations. Since that change on March 15, 2011, many of their cardholders have found it difficult to juggle the higher monthly payments, especially since some of their other credit cards have also increased the minimum payment calculations. Read the rest of this entry »

Most Debtors Plan to Delay Credit Counseling Until After Holidays

November 18th, 2012 by Kenneth Long

You know you need help with your credit card debt, yet your kids expect you to provide them with a nice Christmas. If you are like most households this year, you will overspend during the 4 weeks between Thanksgiving and Christmas, and then pay for it with high credit card bills in January. Read the rest of this entry »