BALANCE Financial Fitness Program
As a WSECU member, you have access to free financial assistance through our partnership with BALANCE, a national nonprofit organization.
BALANCE's counselors are experts in personal finance and credit. They are qualified to address a multitude of areas including:
- General money management
- Goal setting, spending and savings plans
- Credit report review and education
- Debt management
- Buying your first home
- Mortgage delinquency and foreclosure prevention
BALANCE offers two ways to track expenses and help you establish a spending plan. You can speak with a counselor over the phone and come away with a plan that is designed to assist you with staying on top of your finances. If you prefer, you can also download BALANCE's Money Management Planner from their website.
Credit Report Review
A good credit rating is vital to many aspects of life, from buying a home to being hired for a job. A regular check-up is the best way to ensure your credit is in good standing. At your request, a BALANCE counselor will review your credit report with you and discuss your credit score, correcting inaccuracies, identity theft prevention and recovery and, if needed, ways to improve your credit. You are entitled to a free credit report annually, which can be requested at AnnualCreditReport.com. You are also entitled to a free copy if you have been denied credit. If you do not have access to a free credit report, BALANCE can provide one for you at little or no cost.
If you're having difficulties in paying your creditors, BALANCE can assist you with comprehensive counseling and, if necessary, a debt management plan. Complete details are available on the BALANCE website.
Consult with a BALANCE expert to learn about the factors considered in qualifying for a mortgage, what is included in the home buying process and setting a realistic plan into motion for reaching your goal of owning a home.
There are two ways to contact a BALANCE counselor:
- Online chat through the BALANCE website
- By phone: 888.456.2227
Hours (Pacific time)
Monday-Thursday: 5:00 am-8:00 pm
Friday: 5:00 am-5:00 pm
Saturday: 8:00 am-5:00 pm
You can also e-mail BALANCE for general questions.