Financial Counseling

GreenPath Financial Wellness

At Elevations, as a not-for-profit credit union grounded in the community, we believe prosperity should be for all of us. That’s why we’ve partnered with GreenPath Financial Wellness, a non-profit financial wellness organization, to provide you with free, one-on-one financial counseling, debt management services and financial education tools.

GreenPath’s services and tools are meant to ease financial stress, address your financial concerns and develop a plan for living a financially healthy life.

Services include:

  • Free Financial Counseling
    Personal and family budgeting sessions focused on your concerns and needs including a detailed worksheet and action plan.

  • Debt Management Plan
    GreenPath will contact your creditors to negotiate concessions and/or work out loan payment agreements including lower interest rates, elimination of fees and collection activities.

  • Housing Services
    Help with everything from pre-purchase education to foreclosure prevention. All GreenPath counselors are HUD certified. Ask about receiving a HUD certificate that is often required for First Time Home Buyer programs.

  • Credit Report Review
    Free analysis of your credit report and score. Request your free annual credit reports at and send them to GreenPath before your session, or GreenPath can provide you with copies of your report and score for a nominal fee.

  • Financial Education
    GreenPath University is your online source for financial health information, resources and tools.

Take the first step toward financial wellness today! Call GreenPath at 877.337.3399 or visit Let them know you are a member of Elevations Credit Union.

Additional free resources

GreenPath Financial Wellness is a separate company from Elevations Credit Union. The Credit Union does not guarantee the services offered by GreenPath.

Credit Reports

Paying your bills on time is the most important thing you can do to maintain a good credit score. It is also important to monitor your credit report regularly to check for accuracy. An inaccurate credit report can hurt your chances of getting loans and increase your payments when you do obtain loans.

What is a credit report?

Your credit report provides a record of how you have used credit. Credit bureaus must adhere to the Fair and Accurate Credit Transactions Act (FACT Act) established by the Federal Trade Commission (FTC). This Act gives them the right to gather information about individuals as it relates to their eligibility for credit, insurance or employment. The information can then be provided to creditors, insurance companies, employers or anyone who has a legitimate business oriented need for the information.

How do I obtain my credit report?

There are three major credit bureaus, Equifax, TransUnion and Experian. These bureaus acquire credit data from creditors such as lenders, credit card companies and retail establishments. They also search court records for lawsuits, judgments and bankruptcy filings.

Under the FACT Act, you are entitled to one free credit report per year. To obtain your report do one of the following:

  • Visit
  • Call 877.322.8228
  • Send requests to:
    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

If you find that corrections are needed to your credit report, you can contact the credit reporting company that provided the report. To receive credit report counseling, check out the GreenPath Credit Report Review service.

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