Tallahassee Lenders' Consortium, Inc.

05/28/2026

When property taxes go up, rent usually goes up too.

Don’t let rising rent keep you from building a future. Stop by TLC to learn about affordable homeownership opportunities, credit counseling, down payment assistance, and how you can start the path to owning a home.

Homeownership creates stability, equity, and long-term savings. We’re here to help you get started.




https://tallahasseereports.com/2026/05/27/school-board-supports-property-tax-initiative-4-1/?fbclid=IwZnRzaASFM15leHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEeXGTSG3cxfRBjUSC0_AJWXZ29azNQ66xUEO65yxpNY_OM_T9H7QBDaKcsT44_aem_HdxTjIVZLjDhHwwvoY11QQ

The Leon County School Board voted 4-1 on May 26 to place a proposed one-mill property tax increase on the November ballot, a move expected...

04/23/2026

Struggling with your credit or unsure how to take the next step financially? You don’t have to figure it out alone.

Tallahassee Lenders’ Consortium is here to help with free credit counseling and personalized financial coaching. Whether you’re working to improve your credit score, prepare for homeownership, or just build stronger financial habits, our team is ready to support you.

Take control of your financial future reach out today to get started.

04/10/2026

A great forum! Call TLC for more information.

The City of Tallahassee and the Big Bend Housing Partnership recently hosted a forum to help residents understand their fair housing rights and connect with homeownership resources. Read more about the initiative. Read more below.

04/07/2026

Looking to buy your first home or maintain your current one?

During the Spring Home Expo, renters, homebuyers, and homeowners can receive essential resources to buy and maintain a home, grow a sustainable garden, prepare your home for hurricanes and other disasters, and so much more.

Plus, there will be exciting giveaways to enhance your home and lifestyle. A light breakfast will be provided.

📅 Saturday, April 11
⏰ 9 a.m.-12 p.m.
📍 615 East Paul Russell Road

Register now at LeonCountyFL.gov/HomeExpo.

03/14/2026

Tallahassee Lenders’ Consortium (TLC) is working every day to expand affordable housing and create stronger communities across our region. But the need continues to grow.

New construction projects are critical to addressing the housing shortage and ensuring families have access to safe, stable, and affordable homes. With additional funding and community support, TLC can launch more projects that bring new homes, economic opportunity, and long-term stability to the neighborhoods that need it most.

Your support helps turn plans into foundations, and foundations into homes.

If you believe every family deserves a place to call home, consider supporting TLC’s mission. Donations directly help us expand new construction efforts and invest in the future of our communities.

Together, we can build more than houses we can build stronger communities.

Learn more and support our work today.

03/12/2026

💳 Want to Improve Your Credit? We Can Help.

Your credit score plays a major role in your financial future affecting your ability to rent a home, buy a house, secure a loan, or even qualify for certain jobs. If you’re looking to build, repair, or better understand your credit, support is available.

Tallahassee Lenders’ Consortium (TLC) offers credit building and financial counseling with a HUD certified housing counselor who can help you:

✔ Review and understand your credit report
✔ Create a personalized credit improvement plan
✔ Learn strategies to build or repair your credit
✔ Prepare for future financial goals like homeownership

Our counseling is confidential, professional, and designed to help you take control of your financial future.

📞 To learn more or schedule an appointment, contact us today.
Let TLC help you take the next step toward stronger credit and greater financial stability.

03/03/2026

Ask for Credit Limit Increases

If paying down your debt isn't possible immediately, you can lower your credit utilization ratio another way: Get more credit. Call your credit cards and ask for a credit limit increase. If you've been a good customer (which basically means you've been paying on time), you can probably get an increase immediately. (You can also apply for a new credit card but that temporarily lowers your score due to it being a new account.) However, if you raise your credit limit and then raise your debt by the same amount or more, you're dinging your score. Keep your eye on the ball

02/09/2026

🏠✨ Thinking about buying a home? Start with your credit! ✨🏠

Your credit score plays a BIG role in becoming a homeowner — and Tallahassee Lenders’ Consortium (TLC) is here to help every step of the way 💚

✅ FREE credit counseling 🆓
✅ Learn how to dispute inaccuracies on your credit report 📄✍️
✅ Get guidance to help you prepare for homeownership 🔑

📍 Local • Trusted • Here for YOU

👉 Click Send Message 💬
👉 Click Book Now 📅
👉 Visit tallahasseelenders.org 🌐
📱 Call Now 850-222-6609
Your journey to homeownership starts with TLC 🏡💚

02/07/2026

Tallahassee Lenders’ Consortium is proud to move forward with a new construction affordable housing community that will expand access to safe, high quality homes for local families.

This development is made possible through strong partnerships and shared commitment to community growth. We are grateful for the support of Leon County, the City of Tallahassee, and the Community Redevelopment Agency (CRA) as we work together to invest in people, neighborhoods, and opportunity.

More details coming soon as we continue building a stronger Tallahassee one home at a time. 🏡

01/27/2026

CAN A REPO BE REMOVED FROM YOUR CREDIT REPORT? THE ANSWER COMES FROM ONE OF OUR HUD CERTIFIED STAFF COUNSELORS.

Yes, a repossession can be removed from a credit report but how depends on why it’s there and whether it’s being reported correctly.

The big picture
A repo normally stays on a credit report for 7 years from the date of first delinquency.
That said, there are four realistic paths to getting it removed earlier

1. Inaccurate or incomplete reporting (strongest path)
If anything about the repo is wrong, it’s removable under the Fair Credit Reporting Act (FCRA).
Common issues:
• wrong dates (especially date of first delinquency)
• incorrect balance after sale
• repo listed as open when it’s closed
• missing notice of sale
• duplicate tradelines (lender + collector both reporting incorrectly)

📌 How it comes off:
Dispute with Experian, Equifax, and TransUnion → furnisher can’t verify → must delete.

2. Repo + debt was paid or settled (sometimes works)
Paying it off doesn’t automatically remove it but:
• Pay-for-delete agreements do still happen (quietly)
• Smaller lenders and collections agencies are more flexible than big banks

📌 Key tip:
Get the agreement in writing before paying. Verbal promises don’t count.

3. Repo past the reporting period (automatic removal)
If:
• 7 years have passed since the first missed payment that led to the repo
Then:
• it must be removed even if the balance was never paid
If it’s still showing → that’s a violation, and disputes work fast.

WHAT DOESN'T USUALLY WORK
• “Goodwill letters” (unless hardship + long positive history)
• Just paying it and hoping
• Credit repair templates with no factual basis