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Trying to achieve balance?
We know that managing finances can be tough. We would love to help out.
Whether you're interested in developing a workable spending and savings plan, getting out of debt, taking a look at your credit report, buying a home, or planning for your financial future, WECU wants to help. That's why we've provided all of our members with access to free and confidential financial counseling and education through BALANCE.
To access the free financial education materials provided by BALANCE and WECU, click here.
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| Toll-Free Infoline |
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Through BALANCE, our members have immediate access to a financial counselor by phone Monday through Thursday, 5am to 8pm (PST), Friday, 5am to 5pm, and Saturday, 8am to 5 pm. BALANCE Infoline counselors can answer a wide variety of financial and credit related questions and send you supplementary materials on your areas of interest.
Calls to our counselors can last anywhere from 5 to 30 minutes, depending on your question and the amount of information you are looking for. To contact an Infoline counselor now, call toll free 1.888.456.2227 and describe your concern to one of our counselors today. If you prefer online communication, feel free to email a counselor using the following e-mail address: info@balancepro.org.
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| Credit Report Review |
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Your credit report can affect your ability to purchase a home, rent an apartment, buy a car, receive favorable insurance rates, or even get a new job. It is important to understand what is on your credit report and how it affects your finances. Further, checking your credit report regularly is a crucial step in protecting yourself from fraud or inaccurate reporting. To get started click here.
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| Money Management Counseling |
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A well-designed, realistic spending plan is the most important step to take in your journey to reach your financial goals.
If you're not completely comfortable with your spending plan, or would like some guidance with this or other financial issues, consider a free and confidential money management counseling session with a BALANCE counselor. Appointments are available weekdays, evenings, and weekends. The average counseling session lasts approximately one hour, and there is no limit on the number of sessions you may have.
Counselors are qualified to discuss general money management, credit and housing topics including goal setting, spending and savings plans, credit and credit reports, debt management, buying a first home, mortgage delinquency and foreclosure prevention. Each session is goal oriented and results in a written action plan clearly outlining the steps you and your counselor decide to take in order to establish personal financial control. Click here for more information.
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| Identity Theft Solutions |
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Identity theft occurs when someone uses your personal information to commit fraud or other crimes. It may also involve computer fraud, mail fraud, wire fraud, and financial institution fraud.
Fortunately, there are preventative measures you can take to substantially reduce the chance of identity theft occurring, as well as steps to recover from any damage if you are a victim. Click here for more information.
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| Housing Counseling |
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If you dream of owning your own home someday, it’s never too early to start planning. When you will be able to purchase the home, where it be located, and what it will look like will depend largely on your qualifications for a mortgage. The down payment you accumulate and your debt to income ratio will affect the amount of money you can borrow.
By reviewing your cash flow, savings plan and credit history and score, you will be prepared to make any necessary adjustments to qualify for the mortgage you need. An understanding of the mortgage loan process will also enable you to have all of your necessary information ready when the time comes. BALANCE counselors can help make your dream of homeownership a reality. Give BALANCE a call toll free at 1.888.456.2227 or send an email to info@balancepro.org to start developing your personal plan of action that will make you a homeowner.
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| Debt Management |
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If you are having trouble keeping up with your bills, one of your options might be consolidation of your bill payments. A Debt Management Plan, made available to BALANCE clients through CCCS of San Francisco, allows you to make just one payment to all your creditors. Frequently, creditors will stop collection action, lower payments and, in some cases, reduce or eliminate interest and fees. Click here for more information.
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