IslandWide Credit Counselors, Inc

IslandWide Credit Counselors, Inc

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I've done a blog on this topic and it's the foundation of my Credit Counseling program. Like Rome, all roads lead back to cash flow in the world of personal finance and this strategy, IMO, is the best first step on that journey.
Mike Diaz is ONE great, smart and compassionate human being -NO BS zone when you deal with him PERIOD!!
Get Out of Debt! The Credit Card Minimum Payment Trap. A $5,000 balance at 18.9% with 4% minimum payment of $200 will take 11 years and 5 months to pay off and include a whopping $3,109.16 in interest. Cut $25 a week out of your expenses (or earn this through our referral program) and make a $300 monthly payment and you pay off the same card in 20 months and interest is only $845. #DebtReductionStrategies .
https://www.consumer.ftc.gov/articles/0498-its-never-too-early-or-too-late-save

yeah or nay? Anyone turn things around and go from a net spender to a net saver?

Helpful tips and articles for credit repair, credit rebuild, debt settlement, debt consolidation, Identity Theft, managing your money, budgets, debt payment, savings, etc.

We help you sleep better at night! Credit Repair, Credit Counseling and Debt Settlement

Operating as usual

IWCreditCounselors 05/18/2021

IWCreditCounselors

IWCreditCounselors Credit Counseling to raise credit scores, credit repair, debt reduction, debt settlment

05/12/2021

Another happy client!!!!! 48 points up!!!

Another happy client!!!!! 48 points up!!!

01/18/2021

Great example of teaching basic personal finance. Needs v Wants. IWCC approves of this message. Thanks Louise Grinsell for sharing this post

Yukon High School held their annual Reality Check this week! During the event, freshman students are assigned a random annual income before traveling to booths like housing, clothing, insurance, and child care to make virtual payments from their budget.

Although they must visit every booth, they are empowered to make their own personal decisions. One ninth grader reflected, “I got $35,000 which I thought was really good, but now I’m down to $20 and still have bills...I may have gone a little crazy with the nice truck.” Once they’ve paid their bills, the students who have money leftover receive a KitKat, while those with $0 left in their bank account receive a Zero bar.

“This is an opportunity for the students to gain a deeper understanding of how their parents live on a day-to-day basis. It really puts things in perspective and gives them some real world experience and therefore, a better idea of what to expect in the future” said YHS teacher, Darryl Andrews.

To provide real insight, every booth is hosted by local volunteers from their correlating industries, i.e., auto salesman sell the cars, bank officials run the bank, child care providers discuss child care. The real estate agents working in the housing booth reflected, “We actually learn a lot from the students too! After volunteering for several years at this event, we’ve gotten to see firsthand how the students’ decision-making processes have changed over the years.”

If you’re a local business and would like to be involved in opportunities like this, please contact our Community Education Office at 405.354.2579 or email larrissa.lockw[email protected].

07/22/2020

The Linda Fostek Show.: “Getting Your Credit and Finances Back on Track”

Call in 866-451-1451

lindafostek.com 07/21/2020

The Linda Fostek Radio Show – The Crisis Planner

Tune in at 9pm tonight to Linda Fostek's, The Crisis Planner and author of S**T HAPPENS, Radio Show as I will be her guest and sharing insight to navigate through the financial hardships related to the pandemic. https://lindafostek.com/the-linda-fostek-radio-show/

lindafostek.com The Linda Fostek Radio Show The Linda Fostek Radio ShowApril 25, 20200Comments by lindaplanner Tuesday Evenings at 9pm Eastern Listen to “The Linda Fostek Show” on Spreaker. crisis planning disaster planning get off the worry go round Linda fostek survivalists the crisis planner lindaplanner Rel...

03/29/2019

Credit Cards: Beware of the Fine Print (the Loan Sharking Fees!)

Credit Cards: Beware of the Fine Print (the Loan Sharking Fees!) A real life example of 32% in fees on top of 36% APR.

03/29/2019
lifeafterdebtli.com 03/29/2019

Pre-Approved Credit Cards: Beware of the Fine Print (and spot the Loan Sharking Fees)

This Weeks Credit Tip: Pre Approved Credit Cards: Beware of the Fine Print (and Loan Sharking Fees!

https://lifeafterdebtli.com/blog/pre-approved-credit-cards-beware-of-the-fine-print-and-spot-the-loan-sharking-fees

lifeafterdebtli.com You don't think you have good enough credit to get a credit card and then to your pleasant surprise, you get this is in the mail: YOU’RE PRE-APPROVED! GO ONLINE NOW TO GET YOUR CREDIT CARD WITH A...

03/14/2019

Financial Coach Weekly Tip March 14, 2019

How just $25 a week can get you out of debt nearly a decade sooner.

[03/04/19]   I asked a client for a testimonial and receive this very nice reponse. I’m blessed to have a rewarding profession. “You brought me from bad credit to high 700s. Your guidance had been fantastic ! It had released me from being someone who couldn’t do anything credit wise to being free of all bad credit burdens. Thank you soo much. I highly recommend Michael Diaz. He is also reliable has great follow up and is a doll . He is no less than a credit profile magician !!!! Help yourself by using Michael . I seriously did not think the stage I am at now with my credit ratings were possible!😊”.

[10/16/18]   Another happy client, Came to me in January with a score of 649, past bankruptcy and no current credit. We received her Experian report today ..... 745!!!! No special magic, just a series of good fundamentals to get on sound financial footing. So happy for her!

[07/23/18]   http://11u28.r.bh.d.sendibt3.com/track/click/nv59cwrobk

Is it Never Too Early or Too Late Save?

mikescredittips.wordpress.com 11/13/2017

Have Money Financial Wellness Series: Repair and restore you credit to good standing- Tuesday 11/14 @ 7:30pm

Have Money Financial Wellness Series Tuesdays 7:30 pm Call to register: 631-331-2675 At the Time to Play Foundation office, 1075 Route 112, Lower Level, Port Jefferson Station, NY, 11776 Repair and restore you credit to good standing: Learn the ins and outs of a credit report, how they affect your life and what to do to improve your score. [ 190 more words ]

https://mikescredittips.wordpress.com/2017/11/13/have-money-financial-wellness-series-repair-and-restore-you-credit-to-good-standing-tuesday-11-14-730pm/

mikescredittips.wordpress.com Have Money Financial Wellness Series Tuesdays 7:30 pm Call to register: 631-331-2675 At the Time to Play Foundation office, 1075 Route 112, Lower Level, Port Jefferson Station, NY…

money.cnn.com 09/09/2017

5 things to do right now if you're worried about the Equifax hack

money.cnn.com Here's how to protect yourself if you've been affected by the Equifax hack.

[03/25/17]   From the FTC web site: Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

03/17/2017

Job Fair event, please share. Food Drive with Island Harvest at the event. Thank you

mikescredittips.wordpress.com 12/14/2016

You Can Run, But You Can’t Hide: Answer Those Collection Calls!!!!

https://mikescredittips.wordpress.com/2016/12/14/you-can-run-but-you-cant-hide-answer-those-collection-calls/

mikescredittips.wordpress.com Take Charge! So life threw some curveballs and you find yourself unable to pay all of your bills. After a few missed payments you can expect the phone calls from the collection age…

mikescredittips.wordpress.com 12/14/2016

You Can Run, But You Can’t Hide: Answer Those Collection Calls!!!!

Take Charge! So life threw some curveballs and you find yourself unable to pay all of your bills. After a few missed payments you can expect the phone calls from the collection agents. The worst thing you can do is ignore them. Ignoring collection agents can result in judgements that can lien your home, garnish your pay and seize your bank accounts. [ 399 more words ]

https://mikescredittips.wordpress.com/2016/12/14/you-can-run-but-you-cant-hide-answer-those-collection-calls

mikescredittips.wordpress.com     Take Charge!  So life threw some curveballs and you find yourself unable to pay all of your bills.   After a few missed payments you can expect the phone calls from the collection age…

newsday.com 12/08/2016

LI used car dealer to pay $125G in settlement

newsday.com A Floral Park used car dealership has agreed to pay $125,000 after an investigation by state prosecutors alleged that it unlawfully sold credit repair and

mikescredittips.wordpress.com 12/06/2016

5 Tips to Improve Your Credit Score

https://mikescredittips.wordpress.com/2016/12/06/5-tips-to-improve-your-credit-score/

mikescredittips.wordpress.com 5 Tips to Improve My Credit Score Our credit scores are a reflection of years of past financial behavior. Negative items have adverse effects on our credit score and most remain for about seven yea…

mikescredittips.wordpress.com 12/06/2016

5 Tips to Improve Your Credit Score

5 Tips to Improve My Credit Score Our credit scores are a reflection of years of past financial behavior. Negative items have adverse effects on our credit score and most remain for about seven years. But, don’t lose hope. Consistent and correct actions, taken over time, will help to correct negative items that may adversely affect your score. And, while it might take time to see significant positive changes to your credit score, just a month or two of positive behaviors will help make meaningful changes to that very important number. [ 1,027 more word ]

https://mikescredittips.wordpress.com/2016/12/06/5-tips-to-improve-your-credit-score

mikescredittips.wordpress.com 5 Tips to Improve My Credit Score Our credit scores are a reflection of years of past financial behavior. Negative items have adverse effects on our credit score and most remain for about seven yea…

mikescredittips.wordpress.com 11/22/2016

Tips for a Happy Financial Marriage

MONEY is the third leading cause of divorce. Twenty-two percent of broken marriages point to finances as the main reason, according to the Institute for Divorce Financial Analysts. Marriage is a partnership and, like any partnership, disagreements will occur. How both partners deal with these differences will often determine the difference between a successful, happy future, or worse. Start Talking Now… [ 953 more words ]

https://mikescredittips.wordpress.com/2016/11/22/tips-for-a-happy-financial-marriage

mikescredittips.wordpress.com MONEY is the third leading cause of divorce. Twenty-two percent of broken marriages point to finances as the main reason, according to the Institute for Divorce Financial Analysts. Marriage is a pa…

redfin.com 11/18/2016

The 4 Things You Need to Get a Mortgage

redfin.com There are four things mortgage lenders look at when deciding whether to grant you financing, and having a balance of each will score you better terms and make the process go smoother.

11/16/2016

Empower Half Hour: Its Have Money Week-Retail Therapy!

http://www.blogtalkradio.com/timetoplay/2016/11/16/empower-half-hour-its-have-money-week-retail-therapy

Link to the Have Money podcast, topic = Retail Therapy. Listen for tips how too spend your money in a health happy way!

Retail therapy works for some for others not so much, lets look at all the fun we can have going shopping! Well, it's time to enjoy life! Let's do it! Call in 646-200-0848 and learn how to start from Time to Play Foundation's financial professional in a discussion with life coach Doreen Guma. During...

11/16/2016

Empower Half Hour: Its Have Money Week-Retail Therapy!

WED. 11-16-16 @ 9:30 am - EMPOWER HALF HOUR
HAVE MONEY WEEK TOPIC: Retail "Therapy" with Michael Diaz
http://www.blogtalkradio.com/…/empower-half-hour-its-have-m…
​CALL IN AND JOIN IN OUR DISCUSSION 646-200-0848
IF YOU CAN’T LISTEN LIVE: Empower Half Hour internet radio is recorded so you can listen anytime

Retail therapy works for some for others not so much, lets look at all the fun we can have going shopping! Well, it's time to enjoy life! Let's do it! Call in 646-200-0848 and learn how to start from Time to Play Foundation's financial professional in a discussion with life coach Doreen Guma. During...

money.cnn.com 11/15/2016

8 million Americans could get a lower rate on their student loans

Student loan help. With a good credit score you may be able to refinance.

money.cnn.com One-third of people currently paying down their student loans could be eligible to refinance, saving them big bucks over the long term.

ftc.gov 11/01/2016

U.S. Court Finds in FTC’s Favor and Imposes Record $1.3 Billion Judgment Against Defendants Behind AMG Payday Lending Scheme | Federal Trade Commission

U.S. Court Finds in FTC’s Favor and Imposes Record $1.3 Billion Judgment Against Defendants Behind AMG Payday Lending Scheme

https://www.ftc.gov/news-events/press-releases/2016/10/us-court-finds-ftcs-favor-imposes-record-13-billion-judgment

ftc.gov

08/03/2016

A.G. Schneiderman Announces Groundbreaking Consumer Protection Settlement With The Three National Credit Reporting Agencies | www.ag.ny.gov

Don't let medical collections ruin your credit, While the credit rating agencies still have time before the new laws go into effect in NYS, most collection agencies will comply if you don't ignore them and let hem know you seek to resolve the debts in good faith. This is from the NYS AG's office from last year as part of their settlement with the CRAs- what you need to know about medical debt:

2. Medical Debt

Over half of all collection items on credit reports are medical debts. Medical debts often
result from insurance-coverage delays or disputes. As a result, medical debt may not accurately reflect consumers’ creditworthiness.

Pursuant to the Attorney General’s agreement, the CRAs will institute a 180-day waiting period before medical debt will be reported on a consumer’s credit report. This waiting period will provide extra time to permit resolution of delinquencies that result from insurance delays or disputes. In addition, while delinquencies ordinarily remain on credit reports even after a debt has been paid, the CRAs will remove all medical debts from a consumer’s credit report after the debt is paid by insurance.

http://www.ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national

ag.ny.gov The Office of Attorney General's website is provided in English. However, the "Google Translate" option may assist you in reading it in other languages.

ftc.gov 06/28/2016

Banned Mortgage Relief and Debt Relief Companies and People | Federal Trade Commission

FTC Publishes List of Banned Mortgage Relief and Debt Relief Companies and People | Federal Trade Commission.

The companies and people listed below are banned, by federal court orders, from participating in some or all types of the business of debt relief. Generally speaking, debt relief is any program or service that offers to renegotiate or change the terms of a debt between a person and one or more creditors or debt collectors, including a reduction of the balance, interest rate, or fees owed.......


https://www.ftc.gov/enforcement/cases-proceedings/banned-mortgage-relief-debt-relief-companies-people

ftc.gov

04/18/2016

Last Week Tonight with John Oliver: Credit Reports (HBO)

John Oliver on Credit Reports https://www.youtube.com/watch?v=aRrDsbUdY_k

Credit reports play a surprisingly large role in our lives, but even more surprising is how often they contain critical mistakes. John Oliver helps credit ag...

03/16/2016

I LIVE IN A VAN DOWN BY THE RIVER

Don't let poor credit and high debt send you to living in a van by the river. https://www.youtube.com/watch?v=3nhgfjrKi0o

i don not own this video

[03/09/16]   Don't ignore your taxes. Tax liens remain on your credit report longer than any other derogatory item, even bankruptcy. Unpaid tax liens remain 10 years from the filing date. Once paid, the lien will remain seven years from the paid date.

02/24/2016

How We Improve Your Credit

https://youtu.be/sy41imOrHbg

"Our Process" Video for new clients (c) 2015 All rights reserved.

newsday.com 01/21/2016

AG: 2 LI car dealers deceived customers

Westbury Jeep Chrysler Dodge Inc. and Fiat of Westbury sold “illegal” credit repair and identity theft services using “deceptive and misleading sales tactics.”

newsday.com State prosecutors have announced settlements with two Long Island new car dealerships in connection with their sales to customers of credit repair services and identity

newsday.com 01/17/2016

Foreclosure ‘rescue’ firm cheated LIers, suits claim

Be careful about Loan Modification and Foreclosure Rescue scams. If they aren't doing a complete review of your finances and discussing the pros AND cons of the options available to you, walk away. IslandWide Credit Counselors with lawyer, Peter Wagner , will do a thorough review.

newsday.com A Queens-based law firm and an affiliated foreclosure “rescue” firm have cheated Long Island homeowners out of thousands of dollars and put them at greater

Videos (show all)

The Linda Fostek Show.:   “Getting Your Credit and Finances Back on Track”
Financial Coach Weekly Tip March 14, 2019

Telephone

Address


445 Broad Hollow Rd, Ste 25
Melville, NY
11747

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
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