Build Your Credit

Ready to Improve Your Credit Score?

Our Credit Builder Program can help. Credit can be complex, confusing, intimidating and many people just don’t understand it; yet it has a tremendous impact in our lives. Our program can help you finally understand the mysteries behind credit reporting and scores and together we will create a plan to start building credit to meet your goals. 

Step 1: Attend our Credit Class (REQUIRED)

In this class you will:

  • Learn about what credit really is and how credit scores work;
  • Dispel myths you have heard about how to build your credit and learn what actions affect your score positively and negatively; and
  • Learn ways to build your credit and start moving away from past credit mistakes.

Classes are offered weekly in Asheville. For clients outside of Asheville, call our office at 828-255-5166 for more information on your first step.

Step 2: Pull Your Credit Report

OnTrack WNC can pull your Credit Reports & FICO Scores at our offices. Learn more here.

Step 3: Credit Builder Counseling

After attending our credit class, you'll attend a one-on-one credit builder counseling session. Working with a certified credit counselor, you will:

  • Understand exactly what is on your report and how it is affecting your credit score;
  • Review your report and goals to create a credit building plan just for you;
  • Receive direction on disputing illegitimate items;
  • Leave your appointment with manageable action steps to start building your credit; and
  • Have check-ins with your counselor to see how you are progressing on your plan and for further assistance.

Ready for assistance? Call 828-255-5166 or click here to get started.

  • Anna Booraem
    Anna Booraem
  • Shanae Johnson
    Shanae Johnson
  • Wayne & Jodi Mott
    Wayne & Jodi Mott
  • William Raynor
    William Raynor
  • Lucia Daugherty
    Lucia Daugherty
  • Julie Perley
    Julie Perley
  • Bailey Gartman
    Bailey Gartman
  • Diana Honeycut
    Diana Honeycut
  • Carmen Govea
    Carmen Govea
  • Kelly Jackson
    Kelly Jackson