BALANCE Financial Fitness Program
Virginia Credit Union wants to help you achieve your financial
goals. That’s why we’ve partnered with BALANCE, a financial
fitness program that provides assistance with all aspects of personal
finance.
You now have FREE access to confidential financial counseling
services six days a week. In many cases BALANCE counselors can
answer your questions immediately. If you have more complex issues,
an appointment will be scheduled
allowing enough time to discuss your concerns in detail.
Program Features
Money Management Counseling
Schedule an appointment to talk with a financial counselor over
the phone. Counselors are qualified to discuss general money
and credit topics including goal setting, spending and savings
plans, credit and credit reports and housing issues.
Housing Education
Buying a home is one of the biggest financial commitments you'll
ever make. BALANCE counselors can help you understand the mortgage
loan process and make a plan so
you're ready to buy when the time comes.
Credit Report Review
BALANCE can review the content of your credit report and provide
information about correcting, maintaining or improving the
report and handling fraudulent activity.
You may request a free consultation to discuss your credit report
with a BALANCE counselor if you ordered your report from any source,
including your free
annual credit reports.
BALANCE can order a credit report for you and a counselor can
examine and clarify your report. The cost is $12 per report per
credit bureau and includes your credit score.
- Fill out a BALANCE credit
report authorization form (pdf).
- Return it to BALANCE by mail or fax. The address and fax number
are on the authorization form.
- Your credit report and credit score will be sent to you
about two business days after your request is received. Once
it arrives you may
call BALANCE to schedule a confidential consultation to discuss
the report.
QuickPay
If you need a little motivation and guidance to help get out
of debt and reach your financial goals, QuickPay may be just
the tool. QuickPay is a computer generated bill payment schedule
designed to compute the most efficient way to pay back debt.
Debt Management
If you’re having trouble making ends meet or receiving collections calls
or letters, BALANCE can help consolidate bill payments and negotiate with creditors
to lower payments and in some cases, reduce or eliminate interest and fees.
Identity Theft
If you've been a victim of identity theft or another type of fraud—
or you would like to learn ways to avoid becoming a victim— BALANCE
can help you with counseling and an Identity Theft Kit.
How to contact BALANCE
Visit
the BALANCE website for more information.
You can call a BALANCE counselor toll-free at (888) 456-2227 and
let them know you’re
a Virginia Credit Union member.
BALANCE Counselors are available
Mon - Thurs: 8 a.m. - 11 p.m. (EST)
Fri: 8 a.m. - 8 p.m. (EST)
Sat: 11 a.m. - 8 p.m. (EST)
Please contact us if you have any
questions or if we can help you in any way. |
