An Ariva Financial Counseling and Small Business Client Feature
Photo is representative only

We can’t say it enough: checking your credit report consistently and thoroughly is crucial to maintaining and increasing your credit score—especially when you’re applying for a loan or launching a business. 

When Nathaniel, a native New Yorker and disabled veteran, came to us through the VA hospital for free financial help, he was eager to quickly improve his score. He had two purposes: First, he was preparing to apply for a mortgage for a condominium. Secondly, he was ready to turn his entrepreneurial idea into a small business. Through our financial counseling and small business programs, Ariva’s team was available to guide him toward both goals. 

After meeting Nathaniel and reviewing his credit history, our financial counseling team found a few inaccurate items listed on his credit report. Before he could improve his score, he needed to repair it. Our financial counselors worked quickly to clear up his records. They also updated address and financial records and taught Nathaniel practical ways to continually improve his score. 

“My credit score improved a lot. First, I learned how to repair it and now I’m working toward making it better,” says Nathaniel. “And eventually, I was approved for a mortgage!” 

As our financial counseling team helped Nathaniel build credit, our small business program helped him with his mental health counseling business called Better Than the Best. They provided guidance on business formation, explaining the distinctions between an LLC and a corporation and how each could affect taxes and liability. Together, they refined his concept, reviewed the first draft of his business plan, discussed goals, and began outlining a plan to move toward formal registration. 

“Ariva showed care and concern for my situation, and it was a very positive experience,” says Nathaniel. “Working with them was one of the best things that happened to me, and I encourage everyone to take advantage of Ariva’s free financial help.” 

Credit-building doesn’t need to be overwhelming. Just as they did for Nathaniel, our financial counseling team can help you remedy, repair, and improve your credit score. Schedule a free appointment with one of our certified financial counselors. Free financial help is not out of reach!

And, if you’re ready to turn your idea into a business plan, too, as Nathaniel did, learn more about our unique Small Business Program here. Thank you to Nathaniel for sharing his story!