Sponsored Homes | Tim & George

When Denise first met with her financial counselor, she was feeling overwhelmed. Years of health challenges—both physical and mental—had left her struggling to keep up with bills and burdened by delinquent debt. She had enrolled in a debt relief program, hoping it would help, but she didn’t fully understand how it worked or why her credit score kept dropping instead of improving.

During a Zoom meeting, Denise shared her debt relief portal with her counselor, who carefully reviewed her situation. Together, they discovered that she had already built up enough funds in her account to pay off two of her smallest delinquent credit cards in full. Instead of continuing to make small monthly payments, her counselor encouraged her to take a proactive step—contact the debt relief company and request that those debts be paid off right away.

Denise followed through, and the results came quickly. When her counselor checked her credit report on June 7, her Experian score had risen from 604 to 656—an impressive 52-point increase.

For Denise, that improvement meant more than just a number. It represented progress, hope, and a sense of control returning to her life. With continued guidance, she is now on a path toward financial recovery—one smart decision at a time.

When Marcus first met with his financial counselor in fall of 2024, he had a steady income but felt stuck. Despite working hard, debt weighed heavily on him, and his savings were almost nonexistent. He wanted to take control of his finances but wasn’t sure where to start.

Together, Marcus and his counselor built a realistic budget that allowed him to meet his needs, reduce debt, and start saving. They used the snowball method—focusing on paying off smaller debts first to build momentum. Each payment brought Marcus closer to financial freedom and renewed confidence in his ability to manage his money.

Within months, the progress was clear. His credit score rose from 698 to 720, and he had paid off $3,800 in debt. What once felt impossible became achievable through patience and planning. Even more remarkable, his savings grew from just $104 to $6,000—giving him stability, peace of mind, and the ability to look ahead with confidence.

Marcus’s story is proof that with the right guidance and determination, lasting change is possible. What began as a plan to get out of debt became a journey toward empowerment and financial independence.