Financial Counseling available to Oakland, California with Credit Repair

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Ramsey Financial coaching together with Totally free Credit Repair for people living in or around Oakland, CA.

Almost all financial consultants, counselors and coaches in Oakland are aiming to sell you their product and services. We do not sell financial services or products. We offer financial coaching, better referred to as Master Financial Coaching . We offer private, one-on-one counseling with one of Dave Ramsey’s exceptionally qualified coaches to help you find answers to the financial difficulties you face. While you are enrolled in any of our weekly or monthly coaching plans, our credit repair service providers will work to restore your credit and endeavor to raise your credit rating.

We offer coaching in person in one of our offices, or with voice or video conference with a live coach (Skype, FaceTime or telephone), or through SMS Text Messaging with a Ramsey trained master financial coach. This is financial counseling that fits the way you live. We leverage technology to allow you to receive the coaching you need — discreetly and economically.

For people in California who are registered, we also assist you to get your credit rating back on track. We have partnered with Cambridge Credit Repair to give you free access to credit repair technicians . Cambridge Credit Repair provides an action plan to boost your credit score . The alternative is to wait on negative comments to drop off in 7 years or more. Yet another alternative is to work on it yourself. We tell you how to do it yourself in our blog, but far too many times we see people who get poor results or they get so frustrated by the experience that they quit trying. Given that there is no added fee for this service– why not let the experienced professionals take the frustration away while getting you timely results?

Start with one-on-one counseling by calling 844-CARE-866 or 844-227-3866 or try our text message counseling by calling 844-696-9677.

Financial Coaching that Adapts to Your Lifestyle

If you are in the middle of a hard financial situation or you are facing issues and feelings you never thought you would have to experience; if you are battling to make your budget work, you need a plan to reduce debt, or you need to improve your FICO score to get a job, buy a house or rent an apartment – we can help.

Our counseling plans are effective and affordable. You just pay for the time you need, you can cancel at any time. You will coordinate with a coach one-on-one; over the phone, in person or via FaceTime/Skype. You can also connect with a highly qualified Dave Ramsey trained Master Financial Coach via text messaging. Our text message coaching is gaining in popularity because of its convenience and lower cost options.

In Person Financial Coaching in California

We collaborate with many individuals who are just trying to get ahead or stop living payday to payday. Most are just looking for a little breathing room to get out from under the debt that is keeping them from accomplishing their goals. The truth is that it is much easier to break free from the chains of debt than you may assume. We help you focus on only ONE of Dave Ramsey’s Baby Steps at a time, then we give you options. You are still in control. Unlike other consumer credit counseling services, that work for the creditors– we don’t take over your finances. Often this is the key to getting control of debt. We have been using this method successfully for many years now.

We have had many clients and Financial Peace University Students around Oakland who could not rent a house or apartment, or even get utilities turned on due to their low credit score. We have coached others who were about to lose their security clearance because of outdated or misleading information found in their credit reports. We have added credit repair services to our coaching plans. As long as you are enrolled in one of our Financial Coaching Plans our credit repair experts will work with you to remove errors and outdated information from your credit reports. We offer ethical, legitimate methods to repair your credit. We won’t work with fly-by-night credit repair companies that promise to remove all the negative comments in 30 days, because we know that is noting more than a scam to get your money. There is no additional cost for us to fix your credit.

As a result of the financial stress you are experiencing you may be battling with problems in your marriage or conflict in your family. You might feel stuck in harmful patterns of spending which can develop into severe emotional stress. If you would love to learn how to get free of these negative patterns, then in-person, face-to-face Coaching may be just the right solution for you. Call 844-CARE-866 or 844-227-3866 to schedule an appointment with one of our coaches near Oakland.

Live Voice or Video Conferencing

Internet-based counseling has been around for a number of years, mainly in the form of email-based coaching or text chat sessions. These services have been valuable; helping people get advice and assistance for managing difficult money problems, for effective budget counseling, and for help with debt management.

Today, it is possible to leverage these techniques using 21st Century tool like Skype and FaceTime, and even the cellphone in your pocket. Video coaching allows you to make a video call to your Financial Coach using the internet. This means that you can see each other and interact as if you were in the same room. For times when video is not necessary, a simple voice call is quite effective.

Skype Coaching is becoming the favorite choice for most people nowadays. Ease of use is one crucial reason numerous people choose FaceTime video counseling sessions, but there are a lot of other reasons why this can be a good choice.

Our voice and video conferencing plans also include our credit repair system at no added cost . Call 844-CARE-866 or 844-227-3866 to learn more or to schedule a voice or video call.

SMS Message Financial Coaching

The text message counseling method is rapidly becoming our most popular plan. Many who are just seeking someone to repair their credit find these plans less expensive than using a credit repair company to accomplish the same results. Our most economical plan is as low as $50/month when paid quarterly. This is less than the vast majority of credit repair companies will charge only to fix your credit.

Counseling utilizing SMS Messaging is affordable, yet it is still confidential. Your highly competent and experienced counselor is waiting to text with you now. They desire to help you make a real difference in your life– and change your family tree. You can text your coach anytime and anywhere, right from your cellphone. This is 21st century financial counseling, re-invented for your lifestyle.

Our counselors specialize in providing solutions without an irritating sales pitch. We don’t attempt to sell you a product, we give you options to solve your issues or advance your financial peace. Try our sms message coaching by calling 844-696-9677.

Financial Counseling that’s There When You Need it!

We give choices for financial coaching that fit your lifestyle to ensure we are there when you need us. Once you begin with one of our counseling modalities you can change to another method. All of them include free credit repair services while you are enrolled.

We leverage cutting edge technology which enables you to obtain the financial coaching you need in the security of your residence or on the move.

Call 844-CARE-866 or 844-227-3866 in order to get started or get a free consultation by visiting — 24 hours a day, 7 days a week.


You can increase your credit score by removing outdated and inaccurate information from your credit report. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies.



Under the "Fair Debt Collection Practices Act" you are protected from harassing bill collectors and creditors. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.

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Your FICO score is calculated from many different pieces of credit data in your credit report. This data is grouped into five categories. Your FICO Score consider both positive and negative information in your credit report. More about FICO


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