* Credit Counseling

Consumer credit counseling services can help you with managing credit and getting out of debt, assistance with negotiating better terms with your creditors, and guidance on budgeting your money and meeting your debt obligations.

For more information, visit the following websites:

• The National Foundation for Credit Counseling (NFCC) member agencies provide comprehensive money management services based on your individual needs. Members provide free and/or affordable services, which are offered in-person or by phone. Many agencies also offer web-based services.
• View information on credit and loans for consumers from the Federal Trade Commission (FTC). The FTC offers tips on how to be a smart financial consumer, guidelines for getting rid of consumer debt, and information on your rights as a consumer.
• View a list of credit counseling agencies that the Department of Justice (DOJ) approved.

Need More Information? Try These Additional Resources:

• Debt Relief Companies Prohibited From Collecting Advance Fees
• Obtaining a Free Credit Report
• Disputing an Error on a Credit Report
• Credit Scores
• Federal Trade Commission (FTC)
• Department of Justice (DOJ)

The short link for this FAQ is http://1.usa.gov/p2uQKX