Credit counseling organizations can advise you on your money and debts, help you with a budget, develop debt management plans, and offer money management workshops. Working with a credit counselor can be a great way of getting free or low-cost financial advice from a trusted professional.

The National Credit Act effectively caps the interest rates, fees and other charges which credit providers can charge, depending on the type of credit and when the credit was granted.

Lenders use your credit score to determine whether they are willing to loan you money and, in many cases, what interest rate you will be charged. The higher your score, the less risky you appear as a borrower and the more likely you are to receive approval for new accounts and to receive a favorable interest rate.

The National Foundation for Credit Counseling (NFCC) is a national network of non-profit credit counseling organizations. One of the primary services provided by NFCC member agencies is counseling people who have taken on too much debt, with the goal of keeping them from declaring bankruptcy.

Lenders use your credit score to determine whether they are willing to loan you money and, in many cases, what interest rate you will be charged. The higher your score, the less risky you appear as a borrower and the more likely you are to receive approval for new accounts and to receive a favorable interest rate.

The National Foundation for Credit Counseling (NFCC) is a national network of non-profit credit counseling organizations. One of the primary services provided by NFCC member agencies is counseling people who have taken on too much debt, with the goal of keeping them from declaring bankruptcy.

Credit counseling organizations can advise you on your money and debts, help you with a budget, develop debt management plans, and offer money management workshops. Working with a credit counselor can be a great way of getting free or low-cost financial advice from a trusted professional.

The National Credit Act effectively caps the interest rates, fees and other charges which credit providers can charge, depending on the type of credit and when the credit was granted.

Consumer Credit Counseling Services (CCCS) are mostly non-profit organizations that offer free or low-cost counseling, education, and debt repayment services to individuals in danger of bankruptcy.

The NCA helps to enhance and provide control for a better and more responsible credit market. The main aim of the NCA is to create an accessible and affordable credit market, one with the right mechanisms in place to protect consumers against unscrupulous lending and over-indebtedness.

National Credit Reporting has been a leader in the tenant screening industry since 1984 establishing a reputation as a company committed to excellence in customer service and satisfaction. We specialize in screening tenants for Federally Assisted Housing, as well as market rate units.

Five things that make up your credit score

• Payment history – 35 percent of your FICO score.
• The amount you owe – 30 percent of your credit score.
• Length of your credit history – 15 percent of your credit score.
• Mix of credit in use – 10 percent of your credit score.
• New credit – 10 percent of your FICO score.

Here are some of the major benefits of building credit.

• Better approval rates. If you have a good credit score, you're more likely to be approved for credit products, like a credit card or loan.
• Lower interest rates. The higher your credit score, the lower interest rates you'll qualify for.
• Better terms.
• Robust benefits.

They'll assess your situation, help you make a budget and give you tips about dealing with your debt. If you decide to sign up for a debt management plan, they'll contact your creditors on your behalf. Your credit counsellor will ask your creditors if: they'll reduce or eliminate the interest rate or fees on your debt.

The advantages of credit counselling include:

• You will get a clear plan to get out of debt and manage your finances successfully;
• Your credit counselor can negotiate a lower interest rate on your debt for you.
• You can stop collection calls;
• You will learn how to live on a budget;

What are the advantages of credit?

• Cash flow. Cash flow refers to the money flowing in and out of your accounts.
• Credit card rewards. Many credit cards offer rewards or cash back.
• Fraud prevention.
• Purchase protection.
• Building credit.
• Buying more than you can afford.
• Interest.
• Annual fees.

Consumer Credit Counseling Services (CCCS) are mostly non-profit organizations that offer free or low-cost counseling, education, and debt repayment services to individuals in danger of bankruptcy.

National Credit Reporting has been a leader in the tenant screening industry since 1984 establishing a reputation as a company committed to excellence in customer service and satisfaction. We specialize in screening tenants for Federally Assisted Housing, as well as market rate units.

Five things that make up your credit score

• Payment history – 35 percent of your FICO score.
• The amount you owe – 30 percent of your credit score.
• Length of your credit history – 15 percent of your credit score.
• Mix of credit in use – 10 percent of your credit score.
• New credit – 10 percent of your FICO score.

Here are some of the major benefits of building credit.

• Better approval rates. If you have a good credit score, you're more likely to be approved for credit products, like a credit card or loan.
• Lower interest rates. The higher your credit score, the lower interest rates you'll qualify for.
• Better terms.
• Robust benefits.

They'll assess your situation, help you make a budget and give you tips about dealing with your debt. If you decide to sign up for a debt management plan, they'll contact your creditors on your behalf. Your credit counsellor will ask your creditors if: they'll reduce or eliminate the interest rate or fees on your debt.