Counseling Services
 Credit Counseling
Certified counselors are available to help consumers explore financial options—whether it’s dealing with credit, budgeting, or saving.  An on-line budget information form is available for your convenience.

Bankruptcy Counseling
CCCS counselors are ready to provide pre-filing bankruptcy counseling.  CCCS is also certified to present the pre-discharge education seminar.  An on-line budget information form is available for your convenience

Housing Counseling
CCCS, Inc. is a HUD certified housing counseling agency.  Counseling includes pre-purchase, delinquent mortgage and rent, and reverse mortgages.  Our agency also presents first-time homebuyer seminars to assist future homeowners (and existing ones).

Credit Review Sessions
CCCS offers low cost sessions to review your personal credit report.  Free credit reports can be requested at www.annualcreditreport.com
Credit Review Sessions

 

CCCS can provide an in-depth explanation of your credit reports.  Our Counselors can assist you with everything from understanding account summaries to finding errors and taking steps to dispute them.  This service is provided for a low fee and can be scheduled with a Certified Credit Counselor.  To schedule a session, contact either our Salina or Wichita office. 

 

Obtaining a Free Credit Report

Everyone may receive one free credit report every twelve months from each of the three major credit reporting agencies.  Both our Salina and Wichita offices provide services to help you obtain your free credit report. “Walk-ins” are welcome at both locations.  Basic information on how to read and understand your report is included.

 

Additional information regarding how to obtain a free credit report from each of the major credit reporting agencies can be found at www.annualcreditreport.com.  Credit reports can be requested on-line, by mail, or by telephone at 877-322-8228.
 
The Federal Trade Commission’s brochure “Want a Free Annual Credit Report?” includes a form for mail requests.