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Client Stories

Siddiqa's Story

Client Stories

Siddiqa's Story

Why did you come to the Financial Empowerment Center?

I had recently gotten a credit card and wanted to buy a car. However, even though I was financially capable of purchasing a car, I was not able to get a loan because of my low credit score. When searching for other options and resources, an IRC employee connected me to the FEC coaching.

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What financial achievements have you made since coming to the FEC?

Since working with the FEC, I have been able to not only purchase a car, but also improve my credit score through a car loan as well as a credit building loan. Now that I have a better credit, I feel as if I can do much more financially and I feel more confident with my finances. I have also worked with my coach in planning to save more so that I can purchase a home in the near future. She has also educated me on credit building and budgeting.

Why and how has the FEC made a difference in your financial future and overall life? What has working with a Financial Coach done to help you, your family, etc.? What would you say to a friend or family member who was curious about how the FEC could help them?

Through working with my coach, I was able to avoid getting dealer financing while buying a car from a private dealership, which would have been a riskier option. She also made the process of getting a loan very smooth by introducing me to all the loan options, providing me with paperwork on the details of all the loans, and guiding me through the process. The Center for Economic Opportunity loan program also gave me the flexibility to decide how much I wanted to borrow, and I could pay the remaining balance. It also made my options clear in terms of how I can pay the loan back in set payments and even pay higher payments if I would like.

I am currently telling my friends and family how great the FEC is and how the coaches can help them with building credit, purchasing a vehicle, and planning their finances.

Do you plan to continue working with your Financial Coach to achieve specific goals? What goals? How can the FEC help you achieve these goals?

I had reached out to the FEC for help in buying a car, but after purchasing a car, I was able to receive so much more financial guidance in building savings and improving my credit score. I am glad that I reached out because now I feel much more confident around my finances. I can now visualize my financial goals and am looking forward to working with my coach on achieving them. We have already spoken about how I can increase my savings and build my credit. I am now on track to be able to buy a house in the future and I am grateful to have her help me in this journey.

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