|
Articles » What Is A Good Credit Score | | How Can I Get Useful Credit Advice For Free? |
|---|
Getting good credit advice can impact where you live, what you drive, and how successful you are. Finding it can be a tedious and expensive process if you don’t know what you’re looking for. The number of services out there which are willing to give you credit advice for a fee is growing every day. Just put “credit advice” into your search engine box and you’ll get thousands of listings all over the United States. Here’s a tip for you: Don’t pay for credit advice. You can get reliable information for free.
The first place to look is the U.S. Government. There are three divisions; the Federal Trade Commission, the Department of Justice, and the Department of Housing and Urban Development (HUD) that can give you credit advice for free. The FTC can provide you with information on credit scores and reports, mortgages, loans, and credit cards. The DOJ can be used for screening credit counseling and credit protection services . HUD can help you save your home if you’re in financial distress. Each of these agencies can also direct you to additional free resources for your individual credit needs. The links for each are:
FTC: http://www.ftc.gov/bcp/consumer.shtm
DOJ: http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
HUD: http://www.hud.gov/offices/hsg/sfh/econ/econ.cfm
The Consumer Credit Counseling Agency is the largest and most established credit and debt counseling service in the United States. They are actually a conglomerate of many agencies that work together to help you get on track. Their monthly fee of $9.00 will be waived if you cannot afford it, making CCCS one of the top resources for free credit advice. They are affiliated with the National Foundation for Consumer Credit and are on the approved list with the Department of Justice. You can get further info on CCCS at: www.nfcc.org
One of the best pieces of advice that you will receive from any credit counseling service, either free or paid, is to change your spending habits. This is most likely something that you already know. For free advice and some help in doing it you might want to check out Debtors Anonymous. DA, a twelve step fellowship which uses the principles that have been proven successful for recovering Alcoholics in AA, offers a program that will teach you to control your spending and make better decisions. You can find them at www.debtorsanonymous.org.
Comments
|
|
|
|
