Build Your Credit

Amber says her financial life has changed dramatically thanks to classes and counseling sessions: “I have money in savings; I no longer live paycheck to paycheck; I have paid off my credit cards and high interest loans, and I feel like a confident, responsible adult who can meet my goals thanks to OnTrack WNC!” Watch her video above to learn more about her journey towards better credit! - Amber Williams, OnTrack WNC Client of the Year 2018


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.

Register online now for our next free weekly Credit class.

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
  • Lisa Gaskin
    Lisa Gaskin
  • Carmen Govea
    Carmen Govea
  • Kelly Jackson
    Kelly Jackson
  • Jordan Barlow
    Jordan Barlow
  • Susan Mosley
    Susan Mosley
  • Jessica Turner and Robert Forbes
    Jessica Turner and Robert Forbes
  • Amber Williams
    Amber Williams
  • Emily and Jordan Stanley
    Emily and Jordan Stanley