Doris Zambrana began her counseling session on 12/16/2020. The client is a single mother who lives alone. Ms. Zambrana is on Disability and receiving unemployment benefits.  Her dream is to purchase a home in the City of Tampa or surrounding township around Tampa. 

During their first session, the client and counselor (Angel Santiago) reviewed their credit, savings and money management, and affordability. 

Ms. Zambrano had an average of 584 via credit karma. Her credit card utilization was at 99%  

After reviewing the need for personal savings/reserves and lender/DPA requirements, the client and counselor set goals and action plans for the client to help her situation. The client and Counselor discuss all the different loan product options and the purchase price and goal the client had. 

The client’s main goal was to lower her utilization on all of her credit cards to have a positive impact on  her credit score. 

Ms. Zambrana was very motivated and excited to start the action plan we put together to achieve her  goals. 

Ms. Zambrana’s hard work is paying off. The client was able to increase her score by 33 points for  Transunion and increased her score for Equifax by 20 points and now has an average credit score of 602. The client also was able to save $200 for down payment.