Many consumers in today’s market are struggling to eliminate enormous amounts of debt. From credit card debt to student loan debt to auto debt. The list goes on.
People in debt struggle to keep their heads above water. They often suffer from various stress-related conditions. Depression and anxiety are very common, among others.
Credit-Yogi has the resources to create the perfect solution for your personal finance.
At Credit Yogi we provide free financial consultations. These consultations are required to understand your individual needs and work with you toward a solution.
We also provide information on money management and debt management plans. This is to ensure you achieve your financial goals.
You have access to articles and other resources. These materials give you financial education. They teach you how to secure a stable financial future. You also learn how to set up an emergency fund.
Our professionals give free credit reports and work with you to assess the situation. They help you determine a viable debt relief solution for your individual circumstances.
Consolidation plans to pay off your credit cards and loans. A detailed debt management plan to pay off your debt.
Our mission at Credit-Yogi.com is to work with consumers suffering from an overload of debt to help them develop a personalized plan for repaying debt.
Get real-time professional advice here on how to pay off debt faster.
Check out our About Us page to see where we came from and how we got here. Growing from a small seed we have been working very hard to provide the most relevant and trust worthy information to our visitors.
Information and consultations are given freely without obligation so you can easily and quickly connect to a real person.
It is possible you will see a decline in your credit score at first.
However, the process of combining several debts into a new loan will most likely raise your credit score over the long term. This happens if you actually use the funds to pay off those debts promptly.
Adding to an existing debt load, negatively impacts credit scores.
With debt management programs, the consumer works with a nonprofit credit counseling agency. Together, they develop a repayment plan that is affordable.
The credit counselor intercedes on behalf of the consumer. This often involves either a reduction in the interest rate or a settlement.
Credit Yogi helps you get a debt management plan tailored to your unique situation. In time, your debt is completely eliminated.
You can obtain a mortgage after you complete the debt management plan. However, depending on your unique situation, you could be denied while you are still making payments.
There may still be some restrictions, after completing the plan. There are many factors including debt to income ratio and your current credit score.
The more time passes after you complete the plan, it becomes easier to get a mortgage with favorable terms.
Yes, credit repair companies are real. They help you repair your credit. They offer credit repair services to people who can’t do it themselves.
Some of the things a credit repair company can do for you include:
Review the accuracy of your credit report.
Dispute any inaccurate information on your behalf
Follow up to ensure the removal of inaccurate information
Debt consolidation can lower your monthly payments. However, it is best to consolidate if your income can support the new monthly fee.
You should not consolidate if you are not able to meet your monthly debt payments.