Beacon Credit Counseling
Our Services
Beacon Credit Counseling services aim to dismantle financial anxiety and cultivate economic independence by providing tailored, judgment-free credit restoration and debt management strategies. It addresses the unique economic realities women face—such as the gender wage gap, career interruptions for caregiving, and statistically higher rates of post-divorce financial hardship—by transforming credit education into a tool for lifelong empowerment.
Credit Counseling Services
BCC provides comprehensive credit, debt, and financial literacy services designed to address the specific economic lifecycles and challenges women face.
Credit Score Rehabilitation
Deep-dive analysis of credit reports to identify errors, dispute inaccuracies, and implement strategic actions to raise credit scores.
Structured Debt Management Plans (DMPs):
Direct negotiation with creditors to lower interest rates, waive late fees, and consolidate debt into a single, manageable monthly payment.
Strategic Budgeting Sessions:
Custom cash-flow planning that accounts for variable income, childcare costs, inflation, and single-parent or dual-income households.
Post-Divorce Financial Rebuilding:
Assisting women in separating joint accounts, establishing independent credit histories, and managing post-separation debt or legal costs.
Maternity & Caregiver Planning:
Helping women navigate temporary income gaps, maternity leave, or career breaks for eldercare without defaulting on financial obligations.
Female Entrepreneur Funding Readiness:
Specialized counseling to separate personal and business credit, building a pristine profile to secure commercial loans or venture capital.
Financial Literacy Workshops:
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Group coaching, webinars, and masterclasses covering compound interest, investment readiness, and long-term asset building.
The Financial
Fresh Start
Perfect for women ready to clean up their credit reports, fix past mistakes, and establish a strong financial foundation.
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Price: $149 Setup Fee + $89 / Month (Cancel anytime)
What’s Included:
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Complete 3-Bureau Credit Report Analysis
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Customized Credit Dispute & Challenge Strategy
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Identification and removal of inaccurate, outdated, or unverifiable negative marks
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Monthly credit score tracking and progress updates
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Access to our private online client portal
Pathway to Homeownership
Designed specifically for women planning to purchase a home or qualify for a competitive mortgage within the next 6 to 12 months.
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Price: $499 Flat Fee (or 3 monthly payments of $175
What’s Included:
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Complete Credit Repair & Report Optimization
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Personalized Debt-to-Income (DTI) Ratio reduction strategy
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Audit-ready credit planning tailored to strict underwriting requirements
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1-on-1 mortgage pre-approval simulation check
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Coordinated collaboration with your real estate agent or lender
The Personalized Debt Rescue Plan
For women feeling overwhelmed by multiple credit card balances, collection calls, or debt accumulated during life transitions (such as divorce).
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Price: $249 One-Time Consultation Fee (Ongoing Debt Management Plans carry a low, regulated monthly administration fee based on your total debt).
What’s Included:
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Comprehensive liability assessment and budget restructure
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Direct negotiation with your creditors to lower interest rates and waive fees
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Consolidation of multiple debts into one affordable monthly payment
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Immediate relief from stressful collector outreach
Client Onboarding Checklist
Welcome to your journey toward financial freedom! To ensure we design the most effective, personalized strategy for your unique situation, please complete the following onboarding steps.
Set up an appointment by phone
Send us your questions?