Credit Counseling

Since the spring of 2002, Brand New Day has taught financial literacy classes to groups of low- to middle-income people who desired to become financially stable, and who strove to purchase a home or open a business. The program has since grown to include homebuyer education, post-purchase and foreclosure prevention and credit counseling. Our certified trainers and counselors are available to assist clients with any issue they encounter on the road to homeownership.

Brand New Day's Financial Literacy course is based on FDIC's MoneySmart and Consumer Action's MoneyWise curriculum. Student workbooks are available in both English and Spanish. The Financial Literacy course is designed to teach basic money management including courses such as: Earned Income Tax Credit; Basic & Advanced Household Budgeting; Basic & Advanced Credit Repair; Basic Savings and Investing, including IDA Programs; and Introduction to Home Purchase, including Down Payment and Closing Cost Assistance Programs.

Brand New Day invites industry experts to present at certain classes. The participating speakers come from a network of partners representing nonprofit and for profit entities including PROCEED, Bank of America, PNC Bank and Union County Urban League.

Brand New Day's credit counseling program is designed to help clients understand their credit and work towards reducing debt and ultimately improve their score. This program utilizes several methods including consolidation, power payment and when appropriate, dispute of fraudulent or incorrect items. Most clients have seen a tremendous reduction in debt and become eligible for mortgages after working with our credit counselors.

Brand New Day's case manager tracks clients success in homeownership through phone calls and face to face meetings, making referrals for assistance and scheduling post purchase education and counseling as needed.

Through these programs, Brand New Day has helped a multitude of its participants to purchase and/or maintain homes, become financially stable, start savings programs, and open businesses.


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