SOCU Credit Counseling Program

Sometimes in life, we need a hand-up to help us climb the mountain of debt. 


Our credit counseling service is free and can be done over the phone or in person. During the conversation, we’ll help you evaluate your finances, document your income and expenses, and provide you with a list of options personalized to your situation and financial goals. In addition, we’re here to help you execute your plan to get out of debt and enjoy your financial freedom. Credit counseling does not have a direct impact on your credit score, but can help improve it.

For more information, please contact Erin Holley at 270-904-8550.

Sometimes climbing a mountain, you need a hand up!

Money Management

Budgeting – We can help you determine your expenses, are they fixed or varying, and how to prioritize things when your expenses are more than your income.

Cashflow Analysis – Let us help you determine how much you have coming in (net income) and how much you have going out (expenses.)

Bill Pay Plans and Setup Assistance – Need help getting auto pay set up or using online tools to pay your bills? We can help you determine what will work for you and assist in setting these up.

Young Asian woman working on bills to figure how to pay credit cards


Credit Repair

Credit Health Analysis – A full analysis of your credit report, the things holding your score down, and what good habits to put in place that will bring your score up.

Collections – Dealing with collection accounts is not an easy process. Let us show you the correct way to deal with these accounts and the most effective way to get them taken care of.

Debt Pay Down Methods – We can show you how to effectively implement debt pay down methods like the snowball effect. Get your debt under control and use what funds you have coming in to pay down your debt in the most effective way for the fastest results.


For more information, please contact Erin Holley at 270-904-8550.

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