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How We Help With Credit Counseling?

At IslandWide Credit Counselors, we’ll work with you step by step to help remove incorrect and inaccurate negative items from your credit report. But we don’t stop there, We will review the 5 major components that go into your credit score to identify all steps to improve your score and we will do a Cash Flow and Debt Service Analysis to create an Action Plan to improve your credit score and improve your financial well being.

For clients that are having problems making their debt payments even after cutting expenses, we will negotiate debt settlement with you creditors to a level that is reasonable and responsible that will enable your too move forward with you financial future.

Credit 101 Review

Whether you're buying a home, a car or applying for a credit card - lenders want to know the risk they're taking by lending your money, FICO scores are the credit scores that most lenders use to determine your credit risk.

Your FICO credit scores (you have 1 score from each of the 3 major credit bureaus) can effect how much money a lender will lend you and at what terms (interest rate). So, taking steps to improve your FICO scores can often help you qualify for better rates from lennders - which can save money!
Click here for your free credit review.

What Our Clients Says About Our Credit Counselors

Islandwide helped me recover from set backs in my business during the financial crises helping me secure a $5000 line of credit to finance the purchase of inventory when my banks would not. Within a year that line grew to $80,000 and we obtained an additionally $250,000 in lines materially enabling me to expand our business. If it weren’t for Mike and Islandwide, we would have missed the opportunity to capture significant market share and increase our bottom line.


A medical set back left my credit ruined. Mike helped me understand how to make and stick to a budget and the value of building an emergency cash reserve. He also helped find room in my budget to achieve my goals. I’m now saving on a regular basis, paying down my debt and able to go on vacations.

Kelly O, S. Hempstead, NY

Michael is professional and thorough. He helped me understand my options and to decide on the best course of actions dealing with my home and investment properties. I am now cash flow positive and well on my way to creditworthiness.

JM, New York

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