The Atlanta Police Foundation and the Atlanta Police Department have sponsored Operation HOPE to provide a free financial empowerment program to help you take control of your finances. The counseling program is designed to help you make a plan on how to reach your goal of homeownership or recover from debt and low credit scores. A certified financial coach will listen to your needs and goals, and then sit down with you to review your credit report, prepare a budget analysis and establish a plan of action to resolve credit and savings issues.
In addition, by joining a 700 Credit Score Communities group you will take classes with like-minded individuals who are looking to improve their credit score. These classes will help you move your credit score to the 700+ range.
In the Homebuyer Workshop, you’ll learn about the homeownership process and how to be prepared. Topics include:
•Assessing homeownership readiness
•Total cost of a mortgage
•Types of loans
•Getting approved for a mortgage
In the Credit & Money Management Workshop you’ll learn the basics of making a budget, how to read a credit report and what can be done to correct errors that may negatively affect your credit rating. The workshop will also cover your rights as a consumer, and how to make the most of them. Topics include:
• Paying off debt and saving money
• Understanding your credit score
• How to read your credit report
• Your rights as a consumer
• Settling accounts
• Disputing inaccurate information