Vision Credit Education, Inc.

Vision Credit Education has been serving the residents of Lorain County since 2005.  We are one of many nonprofit charities that provide credit counseling throughout Ohio.

We recommend meeting face-to-face with a financial counselor whenever possible. CCCS of Northeastern Ohio provides face-to-face counseling. However, we also understand that navigating downtown Cleveland is not always the easiest chore.

Our counselors know how to deal with high limit credit cards that are burdened by heavy balances. Juggling multiple accounts can be stressful, since late payments are not an option.  Transferring balances have also become more expensive due to 4-5% upfront balance transfer fees.

Our counselors are certified as Accredited Financial Counselors and understand the types of benefits that major credit card companies frequently provide through debt management programs. Many of our clients were surprised at how they could successfully manage tens of thousands of dollars in high interest credit card debt.

Being in debt does not have to mean that you will have to file for bankruptcy. If you take action while you still can, you may be able to avoid the embarrassment and expense of bankruptcy.

We cannot promise that you can avoid bankruptcy. We cannot promise that all of your interest rates will be lowered. We cannot even promise that we can lower your rates. These are benefits typical of our debt management program and are enjoyed by our current clients, but they cannot be guaranteed.

This might be different from what you see on television from many of the so-called “debt relief” companies that profit from your misfortune. Of course, if you look at their Better Business Bureau rating, you might find that they cannot back up their extraordinary claims.

We at Vision Credit Education will help you evaluate your situation. We will help you develop a budget, analyze your debt situation and provide feedback based on our years of experience with other clients in similar circumstances. Of course we also know that no two clients are exactly alike.

That is why we take the time to tailor a plan to meet your needs. You cannot feed MasterCard before you feed your family. We will help you prioritize your needs and answer your questions about your available options.

We cannot tell you what to do. Instead, we discuss your options with you and support your decision on how to handle your situation.

If you are in Lorain, Avon Lake or Elyria, give us a call to discuss your financial situation. You may contact an Accredited Financial Counselor at 1-800-379-4720. Find out how you might benefit from the interest rate reductions and lower payments available through our program.