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Build Credit With Pebble

Partner Contributor January 2, 2025

Pebble is proud to partner with the National Foundation for Credit Counseling (NFCC) to bring innovative credit-building tools to individuals and families, including those enrolled in Debt Management Plans. This collaboration offers a modern, effective solution to […]

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NFCC Blog

How Much Does it Cost to Relocate for a New Job? Four Questions to Ask Before Moving.

Editor’s Note: This post was originally published in June 2019.  Are you thinking about moving for a new job offer? Perhaps you’re considering a relocation to a new city or state, or even a different country. Before you say “yes” to that offer, there are a few numbers you need to look at. To decide if […]

Basic Strategies to Avoid Foreclosure

Editor’s Note: This post was originally published in August 2020. If you’re worried about missing your mortgage payments, you’re probably looking for strategies to avoid falling behind or facing foreclosure.  Fortunately, there may be ways to find real help and stay current on your mortgage payments. Depending on what’s causing your financial hardship, minor tweaks to […]

Should I Pay Off Collections Before Applying for a Mortgage?

Editor’s Note: This post was originally published in October 2016. When you’re planning to buy a home, there’s a lot of preparation to do. As a buyer, you probably need to save for your down payment and closing costs, and you may need to get your credit in order.  For some people, that last item […]

How Can I Improve My Credit Scores After Having Debt Sent to Collections?

Editor’s Note: This post was originally published in August 2017.  Having a debt go to collections can be highly stressful. When you have a new account show up in collections, you might start receiving pushy calls from the debt collector, and they may ask for money you don’t have. On top of that, your credit scores […]

How do you dispute errors on your credit reports?

Editor’s Note: This post was originally published in July 2019.  If you find an error on your credit reports, there are ways to get the information updated or removed. Thanks to the Fair Credit Reporting Act (FCRA), you have the right to correct incomplete, inaccurate or fraudulent information on your credit reports.  You can handle […]

Should You Take Out a Loan to Improve Your Yard? What to Consider Before You Borrow.

Editor’s Note: This post was originally published in June 2019.  As summer approaches, it’s normal to look at your lawn and wonder if the grass could be greener. But who has the money to landscape their whole yard or even just spot-treat their lawn? After all, landscape upgrades can come with a high price tag.  If […]

How to Furnish Your Home on a Budget: 6 Smart Ways to Save Money

Editor’s Note: This post was originally published in May 2019.  Moving into a new house is exciting! But transforming a house into the home of your dreams is too expensive for most homebuyers. In 2026, it can cost anywhere from $10,000 to $30,000 to fully furnish the average home. Don’t have that much cash to spend […]

Will Debt Consolidation Negatively Impact Your Credit?

Editor’s Note: This post was originally published in May 2019.  Most people who have debt are looking for a way out, ASAP! If you’re struggling to cover debt payments, you’ve probably considered all the different ways to reduce your payments and get out of debt faster: debt management plans (DMPs), debt consolidation, debt settlement or even […]

How Should You Handle Debt if You Live on Social Security?

Editor’s Note: This post was originally published in May 2019.  The NFCC often receives questions from readers about their money challenges. We answer common questions in our Ask an Expert series to help readers find the information they need. Question: My 77-year old mother owes $15,000 in credit card debt and lives solely on Social Security. […]

Can I Trust a Credit Counseling Agency? Here’s What You Need to Know.

Editor’s Note: This post was originally published in April 2019.  The NFCC often receives questions from readers about their money challenges. We answer common questions in our Ask an Expert series to help readers find the information they need. Question: I need to get out of debt, but I don’t know if I can trust the […]

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About the NFCC

Founded in 1951, the National Foundation for Credit Counseling is the oldest nonprofit dedicated to improving people’s financial well-being. With over 1,500 NFCC Certified Credit Counselors serving all 50 states and U.S. territories, NFCC nonprofit counselors are financial advocates, empowering millions of consumers to take charge of their finances through one-on-one financial reviews that address credit card debt, student loans, housing decisions, and overall money management.