Credit Counseling Related Resources

eBook:  Getting the Credit You Deserve

Building strong credit starts with understanding what credit is, how it's reported, and what you can do to prove your creditworthiness.

How to Avoid Credit Card Dependence

In some dire cases, financially burdened consumers are relying on credit cards to purchase necessities such as food and gas, driving up card balances and compounding the issue of higher food and energy prices – with interest.

Glossary of Credit Terms

When obtaining a loan or a credit card, there are some important terms you’ll need to understand in order to compare loans to each other. 

Five Things You Need to Know about Money and Budgeting

Answering your top five personal finance questions.

Four legal documents everyone in their 40s should have

Over 40? Make sure you have these crucial legal documents all sorted out in case the unexpected happens.

Beware of credit repair

Here's why you should be wary of any company that claims to offer immediate improvements to your credit score.

Cashing Out and Borrowing from Retirement Accounts

You may have the option to access the money in your retirement accounts prior to retirement. Here are the things you need to consider before taking that step.

eBook: Cheap Eats

Saving money on food doesn’t have to be hard work. Making just some small changes can net big rewards to your pocketbook.

eBook: Love and Money

Learn how to make personal finance a fun, functional part of your most important relationship.

eBook: New Beginnings

Start the new year off right with financial advice, tips, and motivation.

eBook: The Entrepreneur's Guide to Personal Finance

Learn the necessary skills to start and effectively manage your own business.

eBook: Thrifty Thanksgiving

Enjoy our handy guide to keeping your Thanksgiving happy, hearty, and under budget.

eBook: Tips for Change

Enjoy this collection of money-saving tips from experts and everyday folks alike.

eBook: Your 30 Step Path to Financial Wellness

True financial wellness is a journey. Here are the 30 steps everyone must take to create a life of continuing financial wellness.

Financial advice for new couples

Starting a new life together? Don't let money get in the way of your happiness. Here are a few crucial pieces of advice for any new couple about to begin their life together.

Financial consideration when facing divorce

Divorce can be a complicated, painful process. You can save yourself a lot of unnecessary pain by being proactive when it comes to your finances. Here's how you can navigate the division and repayment of debt, before, during, and after a divorce. 

Glossary of Credit Reporting Terms

Building strong credit requires that you understand the terminology of credit. Here are some of the most common - and important - terms in credit.

Glossary of Credit and Lending Terms

When obtaining a loan or a credit card, there are some important terms you’ll need to understand in order to compare loans to each other.

Glossary of Personal Savings Terms

Building your savings is a crucial aspect of personal finance. Understanding your savings options can be a little confusing at times, thanks to the wide variety of programs available. Use this handy glossary to help understand the difference between available savings options.

How To Apply For a Loan

When you find yourself in need of money for a large purchase, such as a car, house, or education, chances are you’ll be looking to apply for a loan. While the actual application process for a loan isn’t usually too difficult, there are some things to review, evaluate, and prepare before deciding on a loan and mortgage lender.

How To Assemble a Financial Team to Help Manage Your Personal Finances

If you are overwhelmed by putting together your financial goals and plans, you may decide to assemble a trusted financial team. Working with one or more of these financial professionals can help put the pieces in place, so that you can meet your goals and plan for the future.

How to Avoid Credit Card Dependence

In some dire cases, financially burdened consumers are relying on credit cards to purchase necessities such as food and gas, driving up card balances and compounding the issue of higher food and energy prices – with interest.

How To Choose and Open a Personal Savings Account

A personal savings account is a great way to being building your savings. The returns are usually pretty minimal, but the risk is incredibly low. If you've never used a personal savings account, this is how you find the right one for you and sign up.

How To Compare Loan Terms

If you have multiple loan options, shopping for the best and cheapest loan can be complicated, and there are many different factors you’ll have to consider. With different loan terms, time limits and monthly payments, finding the best deal can take some work. There are some basic things to consider and analyze before choosing the perfect loan for you.

How to Create a Personal Balance Sheet and Determine Your Net Worth

A personal balance sheet calculates your net worth by comparing your financial assets (what you own) with your financial liabilities (what you owe). The difference between the two is your personal net worth. Here's how you can create your own personal balance sheet.

How to dispute credit reporting errors

The three credit reporting bureaus deal with a substantial amount of information daily. As a result, mistakes can occur on your credit report. Here's what you need to do if you suspect there are errors on your report.

How to know when a little debt is too much debt

It can be difficult to know when things are just "tight" and when you're facing a significant financial problem. It's important that you don't ignore the warning signs of debt overload. And if you're unsure how bad things have gotten, take this quiz to find out where you stand.

How to maintain health insurance if you've lost your job

If you find yourself unemployed, one of the most important things you’ll need to do is to maintain your health insurance, especially if your job provided health insurance for your family. Here are the steps you need to take.

How to make money selling your stuff online

If you are considering selling items online, there are several things you can do to further the success of your sales, increase customer satisfaction, and protect yourself and the money you make.

How to manage money when you are self employed

Budgeting on an inconsistent income can be tricky. Being self-employed can be a great option for many, but managing your finances can be tricky. This is what you need to keep in mind.

How to organize your personal household finances

Managing financials for a household can be overwhelming, especially when you consider the amount of monthly bills, receipts, paystubs, account statements, and other essential paperwork that is received by a household on a monthly basis. It’s easy to lose track of everything you need, but a good organizing system can keep things right at your fingertips.

How to prepare for your credit counseling session

It is not necessary to spend a lot of time and effort preparing before talking with a counselor. That being said, if you do have the time to start thinking about some aspects of your finances before speaking with a counselor, it may help to streamline the process.

How to Protect Yourself from Identity Theft

Millions of Americans are victims of identity theft each year. As thieves are becoming increasingly sophisticated, consumers must be diligent in protecting their identity.

How to Rebuild Your Personal Savings Account

Have you ever seen your savings account balance dwindle to nothing and feel like you could not build it up yet again? If you like the security of having money in savings, but have gotten sidetracked, there are two small steps you can take that will help your personal savings grow again without causing discomfort or budget distress.

How to Recover From a Personal Financial Setback

Financial setbacks inevitably happen, and if you find yourself dealing with a layoff, high medical expenses, or another setback, there are some steps you should take to start the road to recovery.

How to Set and Keep Personal Financial Goals

Regardless of what life stage you are in, you are likely to have some short and long term personal financial goals. Setting tangible and realistic goals, following them, and tracking your progress is the key to success in achieving all of your financial goals.

How to Transfer Your Retirement Savings Accounts

Americans often find that their retirement savings accounts, usually their largest personal financial asset, can remain with a former employer well after they’ve severed ties. If you’ve transferred jobs more than once, you may find yourself with several retirement accounts at various employers.

If you suspect you are the victim of identity theft

If you become a victim of identity theft, time is of the essence. Acting quickly and thoroughly can help to limit the potentially far-reaching implications of having your identity stolen. Following are steps to take when someone steals your identity.

Important credit terms you should know

There are many different credit card options out there from affinity cards to rewards cards. When choosing a credit card, the most important thing is to know exactly how you’ll plan to use it.

Important tips for buying your first car

Purchasing a car is a big financial step—probably the largest you’ve considered taking thus far. Young adults should think carefully about all of the ramifications of car ownership before determining whether owning a car is right for them.

Make a Personal Budget and Keep Track of Spending

As soon as you start spending your own money, it’s time to start tracking your spending so that you can create and follow a personal budget. Keeping track of expenses, while sometimes tedious, is the best way to find out exactly where your money is going.

Make Working from Home Work

When working on your business’ financial plan, don’t forget to develop a method for managing your new personal financial situation. Following are some suggestions for making working from home work for you.

Managing finances following a divorce

Getting a divorce can significantly change your financial situation, and once you are divorced, you’ll need to reassess your finances. After your divorce is final, it is wise to allow time to pass before making any major financial decisions. When you are ready, there are a few things you can do to move forward financially.

Military Automation can help you maintain credit from afar

Being deployed and away from home can make paying debt obligations in a timely manner difficult. However, there are some tools available that can help automate your payments and make it easier to keep your good credit history.

Newlyweds Deciding on One Checking Account or Two

When you get married, it’s important for you and your spouse to decide whether or not you want to combine your finances into one, two, or even three checking accounts.

Newlyweds Joint Credit Account

Recently married? You’ll need to decide what to do with your existing outstanding loans and credit card accounts, as well as any new credit accounts that you open when you are married. There are several options available, each with its own pros and cons.

Servicemembers Civil Relief Act Overview

Servicemembers who are called into active duty, are deployed, or are entering the military most likely have major concerns beyond paying bills on time and maintaining a good credit history. The Servicemembers Civil Relief Act (SCRA) helps servicemembers retain good credit and eliminate financial stress while serving in the military. Here's how.

Three steps for dealing with significant medical bills

If you or someone in your family has had a medical emergency or long-term medical situation, you may be dealing with physical recovery and significant medical bills. Consider taking these steps to better manage those unexpected bills.

Tips for building strong credit

Developing good credit is an ongoing process that starts with understanding how credit reporting works. While paying your bills is an essential step in the right direction, there are other smaller, lesser-known steps that are key to establishing and keeping a clean credit report and a good credit score.

Understanding your credit score

You may have recently seen your credit score and wondered how you could improve it. Understanding what is used in the calculation of your credit score is the first step. While the exact formula used in the calculation of the score is proprietary, there are some known factors.

When and how to ask for a raise at work

If you are looking to increase your income, analyzing your salary at your full-time job is a good place to start. Do you think your work merits an increase in pay? Evaluating yourself and your work through this lens can help you determine whether or not you should talk to your boss about a raise.

Trustpilot