Valerie Walker began her counseling session on 11/10/2020. The client is a single mother who lives alone. Valerie
Walker is currently working for Change Health Care for over 2 Years. Her dream is to purchase a home in the City
of Tampa or surrounding township around Tampa.

During their 3rd session, the client and counselor (Angel Santiago) reviewed their credit, savings and money
management, and affordability. Valerie Walker had an average of 585 via credit karma. Her credit card utilization
was at 0%

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 pay down open collection accounts to have a positive impact on their credit score.
The client was very motivated and excited to start the action plan we put together to achieve their goals.
Valerie Walker hard work is paying off. The client was able to increase her score by 10for Transunion and increased
her score for Equifax by 16 points and now has an average credit score of 602. The client also was able to save
$0.00 for down payment. The client used her savings due to a family emergency.