Frequently Asked Questions

How much does a debt counseling session cost?
There is no cost. Debt counseling and credit counseling are free.

What is the difference between credit counseling and debt counseling?
There is no difference. The terms "credit counseling" and "debt counseling" both refer to the session in which we work to understand your financial situation and explore options to help you get out of debt.

How long does a counseling session take?
The initial credit counseling or debt counseling session usually takes about an hour, possibly up to 90 minutes depending on your situation.

Do I need to make an appointment?
Call us or fill out the form on the Contact Us page and we will be happy to find a convenient time to set up an appointment.

What if I don’t have time to conduct a credit counseling session now?
No problem. We can schedule an appointment for a more convenient time.

What will I need for my initial credit counseling session?
Please have copies of recent bill statements handy. We’ll also need to know how much money you and your spouse / financial partner bring home each month.

Will you keep my information confidential?
Yes, absolutely. We do not report information to the credit bureaus and we will not share your information with anyone without your permission. If you begin a debt management program, we will obtain your consent before we propose payment arrangements to your creditors.


1. Why is my FICO® Credit Score important to me?
Nearly all lenders in the U.S. use a FICO® Credit Score among other information when they make their credit decisions. And they have for over 20 years. It’s important to stay on top of your credit and avoid surprises.

2. What are FICO® Credit Score Key Factors?
Key factors are the top variables that affect your FICO® Credit Score. They’re listed in order of most to least significant. If you have a high FICO® Credit Score (usually in the mid-700’s or higher), key factors are still important, but less impactful since they represent a smaller margin for improvement of your financial health.

3. How do I improve my score?
Your FICO® Credit Score considers both positive and negative information in your credit report. Good credit habits like always paying bills on time, managing your credit by keeping balances low, and only opening new credit cards when you need them can all have a positive effect on your financial health, and in turn, your FICO® Credit Score.

4. I got my FICO® Credit Score from somewhere else. Why is it different? What's the difference between the FICO® Credit Score and other credit scores?
There are different credit scores available from different bureaus. Scores may differ from one credit bureau to the next. When reviewing your credit score, keep in mind that it gives you a general snapshot of your credit report information at a very specific point in time, so take note of the date, the credit bureau, and the range for that particular score.