Balance offers a variety of services to meet your needs, including money management and credit report reviews. Through SELCO's sponsorship, most of these services are free; for others, there may be a low fee.

Money Management Counseling Spending, savings & budgeting plans Debt Management Plans Debt consolidation counseling Eliminating fees, lowering payments and reducing interest Credit Report Reviews InfoLine Access

Objective information on money management & credit and housing *HUD-approved housing counseling services *Homebuyer education *Early delinquency intervention *Foreclosure, reverse mortgages, and tenant rights and responsibilities. * There may be an associated fee for these services.

Do You Have a Spending and Savings Plan?
Everybody should have a spending and savings plan in place - a well-designed, realistic budget is the most powerful tool available for reaching your financial goals.

Are you having trouble paying your bills?
One of your options might be consolidation of your bill payments. Balance Pro's Debt Management Plan allows you to make one payment to all your creditors. Balance counselors will also negotiate with your creditors to stop collection action, lower payments and, in some cases, reduce or eliminate interest and fees.

Click here to learn about your Credit Score