About us

How Your Credit Score Affects You

Credit is the foundation of any one person’s financial road to paying low interest rates on borrowed money - it's just that simple. Credit scoring can also paint a picture of one’s ability to manage money through paying bills. Though a big percentage of credit scoring revolves around one’s payment history, poor money management skills are easily identified by this pattern amongst financial institutions.

In the midst of the economic recession faced by the U.S. today, maintaining good credit has become more important than ever. Consumer credit reports are receiving extra scrutiny under the eyes of lenders as the increasing unemployment percentages threaten their bottom line. Those who have been fortunate or knowledgeable enough to maintain decent credit histories, scores, etc., have more than likely reaped the benefits of having the power to demand competitive interest rates and high credit limits. Individuals on the opposite end of the spectrum, however, are not so fortunate.

YourChoiceSolutions (YCS) is a 501(c) 3 not-for-profit organization created to help individuals in the fight for competitive interest rates among lenders, banks, etc and better money management regarding the importance in paying bills. We’ve created a different approach towards understanding and maintaining a lower risk credit score; via a no cost instruction-styled training intervention.