Credit Counseling Harbour History/Job Postings Debt Education Hear what our clients have said Manage your account here Become Debt Free!
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Spring Graduation!
Harbour is very proud of its more than 600 clients who graduated from our program since January. We are especially thankful for the ones who take a moment to say how much they appreciate our assistance and sincere concern for their success in a financially stable future.

Testimonials

Dear Harbour,

     This is a request to terminate my automatic withdrawal payment and terminate me from the program. In a few days you will be recieving my cashier's check for the account to be PAID-OFF IN FULL!!
     I would also like to say that I have appreciated your services and assistance in helping me with my financial affairs. Your services not only assisted me in reducing my credit card debt, but paying OFF my credit card debt, as well a helping me to become disciplined to not rely on credit cards for purchases.
     Every time I have been in contact with one of your personnel I have always been treated kindly and professionally. Your services are valued and I hope more and more people will turn to your company for assistance.

With much gratitude and appreciation, - R.M.P.

Dear Harbour,

     I want to thank all of you at Harbour Credit Counseling for all your help in paying my creditors and your patience and kindness with me. Also, I want to tell you that if I get in a bind again, I know who to call on. I will continue to tell people about the great job you do and I really appreciate all of you.
     With sadness and happiness, I want you to terminate my account, but I will still keep your address and telephone.
     Thank you, sweet people. My bills are paid! Keep up the great service you provide.

God Bless all of you. - D.T.

Greetings!

     This is regarding my completeion of your debt management program. I am deeply grateful for you paving the way for me and my family into a true financial freedom. I would like to express my appreciation for your assistance and expertice on this very important stage of our family live.

Very truely yours, - A.G.

Dear HCCS Gold Team,

     Last night we attempted one final review of our account online. We got a response - "Login Invalid. Please try again." We did, and it confirmed... we're "no longer available." How delightful!
     We just want to offer one more expression of our appreciation for your assistance in paying off an unmanageable accumulation of credic card debt. We are grateful for all you did on our behalf... it seems terribly inadequate, but there's no other way to say it - Thanks! W.O.

FICOŠ scores up close and Personal!

     Wondering just what are FICO scores and where they came from? FICO scores are the credit scores most lenders us to determine your credit risk. You have three scores, one for each of the three credit bureaus:
  -  Experian www.experian.com
  -  TransUnion www.Transunion.com
  -  Equifax www.equifax.com
The concept was created by a California-based company, Fair Issac and Company.

How do you benefit from credit scoring?
-    Allows for speedy, objective analysis of credit histories. Scores are objective because they are based on large volumes of verified statistical data.
-    Credit scoring brings a new level of fairness to the credit granting process. With Credit scoring, lending decisions are likely to be more objective, faster and less costly that traditional "judgemental" decisions.
-    Additional benefits include "greater consistency in lending decisions."

For more details contact www.myfico.com
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Refer a Friend
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     During this unusually difficult financial seaspn, we would like to encourage you to share your successful Harbour experience with friends or colleagues. Most states permit counseling agencies to compansate our clients for up to $30.00 for referrals.

     When you refer someone to Harbour, be sure theye notify their counselor of your full name and address so that we may properly compensate you as much as your state permits.

Have a blessed, prosperous summer vacation
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