Credit Counseling & Debtor Education : Wyoming (WY) USA

Financial Management Instructional Courses /Debtor Education Agencies Name,  Website , Courses Offered & Languages Supported Debtor Education Agencies   address
A 123  Credit Counselors, Inc         Website – www.a123cc.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL  33126
305-269-9201
A 123  Credit Counselors, Inc         Website – www.a123cc.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL  33126
305-269-9201
A 123  Credit Counselors, Inc         Website – www.a123cc.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 703 Waterford Way (NW 62nd Ave.)
Suite 220
Miami, FL  33126
305-269-9201
Abacus Credit Counseling         Website – www.abacuscc.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 15760 Ventura Boulevard
Suite 700
Encino, CA  91436
800-516-3834
Abacus Credit Counseling         Website – www.abacuscc.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 15760 Ventura Boulevard
Suite 700
Encino, CA  91436
800-516-3834
Allen Credit and Debt Counseling Agency         Website – www.acdcas.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 195 Brook Street
Wessington, SD  57381
888-415-8173
Allen Credit and Debt Counseling Agency         Website – www.acdcas.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 195 Brook Street
Wessington, SD  57381
888-415-8173
Advantage Credit Counseling Service, Inc.         Website – www.advantageccs.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A River Park Commons
2403 Sidney Street, Suite 400
Pittsburgh, PA  15203
888-511-2227
Advisory Credit Management, Inc.         Website – www.advisorycreditmanagement.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 5769 West Sunrise Blvd.
Plantation, FL  33313
800-786-3940
Advisory Credit Management, Inc.         Website – www.advisorycreditmanagement.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 5769 West Sunrise Blvd.
Plantation, FL  33313
800-786-3940
Granite Lake Educational Resources         Website – www.backtogo.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Bosnian/Croatian/Serbian 111 West Cataldo
Suite 200
Spokane, WA  99201
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :German 111 West Cataldo
Suite 200
Spokane, WA  99201
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 111 West Cataldo
Suite 200
Spokane, WA  99201
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Bosnian/Croatian/Serbian 111 West Cataldo
Suite 200
Spokane, WA  99201
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :German 111 West Cataldo
Suite 200
Spokane, WA  99201
509-325-2511
Granite Lake Educational Resources         Website – www.backtogo.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 111 West Cataldo
Suite 200
Spokane, WA  99201
509-325-2511
Community Credit Counselors, Inc.         Website – www.bankruptcyinfo.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 101 N. Lynnhaven Road
Suite 303
Virginia Beach, VA  23452-7523
800-531-5124
Community Credit Counselors, Inc.         Website – www.bankruptcyinfo.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 101 N. Lynnhaven Road
Suite 303
Virginia Beach, VA  23452-7523
800-531-5124
Biblical Financial Concepts, Inc.         Website – www.biblicalfinancialconcepts.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 124 Oak Ridge Drive
Oneonta, AL  35121
205-421-1590
Biblical Financial Concepts, Inc.         Website – www.biblicalfinancialconcepts.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 124 Oak Ridge Drive
Oneonta, AL  35121
205-421-1590
Biblical Financial Concepts, Inc.         Website – www.biblicalfinancialconcepts.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 124 Oak Ridge Drive
Oneonta, AL  35121
205-421-1590
BKEDCERT.com a d/b/a of Pacific Rim Institute for Development  and Education, Inc.   dba BKEdCert.com      Website – www.bkedcert.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6230 Wilshire Blvd.
Suite 1763
Los Angeles, CA  90048
800-845-7171
Springboard Nonprofit Consumer Credit Management, Inc.         Website – www.bkhelp.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4351 Latham Street
Riverside, CA  92501
951-781-0114
Springboard Nonprofit Consumer Credit Management, Inc.         Website – www.bkhelp.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4351 Latham Street
Riverside, CA  92501
951-781-0114
Rushmore Consumer Credit Resource Center         Website – www.cccsbh.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 111 St. Joseph Street
Rapid City, SD  57701
800-568-6615
Rushmore Consumer Credit Resource Center         Website – www.cccsbh.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 111 St. Joseph Street
Rapid City, SD  57701
800-568-6615
Consumer Credit Counseling Service of the Midwest, Inc.         Website – www.cccservices.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 4500 East Broad Street
Columbus, OH  43213
800-355-2227
Consumer Credit Counseling Service of the Midwest, Inc.         Website – www.cccservices.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 4500 East Broad Street
Columbus, OH  43213
800-355-2227
Rural Dynamics, Inc.         Website – www.cccsmt.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Portuguese 2022 Central Avenue
Great Falls, MT  59401
406-761-8721
Consumer Credit Counseling Service of Northern Colorado and Southeast Wyoming         Website – www.cccsnc.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1247 Riverside Avenue
Fort Collins, CO  80524
800-424-2227
Consumer Credit Counseling Service of Northern Colorado and Southeast Wyoming         Website – www.cccsnc.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1247 Riverside Avenue
Fort Collins, CO  80524
800-424-2227
Consumer Credit Counseling Service of Orange County   Consumer Credit Counseling Service of Orange County      Website – www.cccsoc.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1920 Old Tustin Avenue
Santa Ana, CA  92832
888-289-8230
Consumer Credit Counseling Service of Orange County   Consumer Credit Counseling Service of Orange County      Website – www.cccsoc.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1920 Old Tustin Avenue
Santa Ana, CA  92832
888-289-8230
Consumer Credit Counseling Service of Rochester, Inc.         Website – www.cccsroch.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 50 Chestnut Plaza
Rochester, NY  14604
888-724-2227
Consumer Credit Counseling Service of Rochester, Inc.         Website – www.cccsroch.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 50 Chestnut Plaza
Rochester, NY  14604
888-724-2227
Consumer Credit Counseling Service of Greater San Antonio   CCCSSA      Website – www.cccssa.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 6851 Citizens Parkway
Suite 100
San Antonio, TX  78229
210-979-4300
Consumer Credit Counseling Service of Greater San Antonio         Website – www.cccssa.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6851 Citizens Parkway
Suite 100
San Antonio, TX  78229
210-979-4300
Consumer Credit Counseling Service of Greater San Antonio   CCCSSA      Website – www.cccssa.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6851 Citizens Parkway
Suite 100
San Antonio, TX  78229
210-979-4300
Consumer Credit Counseling Service of San Francisco         Website – www.cccssf.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 595 Market Street
Suite 1500
San Francisco, CA  94105
800-777-7526
Consumer Credit Counseling Service of San Francisco         Website – www.cccssf.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 595 Market Street
Suite 1500
San Francisco, CA  94105
800-777-7526
Consumer Credit Counseling Service of San Francisco         Website – www.cccssf.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 595 Market Street
Suite 1500
San Francisco, CA  94105
800-777-7526
Consumer Credit Counseling Service of West Florida, Inc.   Allvista Solutions      Website – www.cccswfl.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 14 Palafox Place
Pensacola, FL  32502
800-434-0268
Consumer Credit Counseling Service of West Florida, Inc.         Website – www.cccswfl.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 14 Palafox Place
Pensacola, FL  32502
800-434-0268
Consumer Financial Education Foundation of America, Inc.   CFEFA      Website – www.cfefa.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 2 North 20th Street
Suite 1030
Birmingham, AL  35203
205-321-2822
Consumer Financial Education Foundation of America, Inc.   CFEFA      Website – www.cfefa.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 2 North 20th Street
Suite 1030
Birmingham, AL  35203
205-321-2822
Colorado Credit Counselors         Website – www.cocredit.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 8650 Fairall Road
Morrison, CO  80465
303-551-5599
American Consumer Credit Counseling, Inc.         Website – www.ConsumerCredit.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 130 Rumford Avenue
Suite 202
Newton, MA  02466
866-826-6924
American Consumer Credit Counseling, Inc.         Website – www.ConsumerCredit.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 130 Rumford Avenue
Suite 202
Newton, MA  02466
866-826-6924
CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc.         Website – www.credAbility.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 270  Peachtree Street NW
Suite 1800
Atlanta, GA  30303
866-672-2227
CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc.         Website – www.credAbility.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 270  Peachtree Street NW
Suite 1800
Atlanta, GA  30303
866-672-2227
Credit Advisors Foundation         Website – www.creditadvisors.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1818 South 72nd Street
Omaha, NE  68124
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Korean 1818 South 72nd Street
Omaha, NE  68124
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1818 South 72nd Street
Omaha, NE  68124
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Thai 1818 South 72nd Street
Omaha, NE  68124
402-393-3100
Credit Advisors Foundation         Website – www.creditadvisors.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 1818 South 72nd Street
Omaha, NE  68124
402-393-3100
Cricket Debt Counseling         Website – www.cricketdebt.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Korean 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Russian 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Tagalog 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Vietnamese 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015
866-719-0400
Cricket Debt Counseling         Website – www.cricketdebt.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 10121 SE Sunnyside Rd.
Suite 300
Clackamas, OR  97015
866-719-0400
Debt Education and Certification Foundation         Website – www.debt-foundation.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 112 Goliad Street
Suite D
Benbrook, TX  76126
866-859-7323
Debt Education and Certification Foundation         Website – www.debt-foundation.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 112 Goliad Street
Suite D
Benbrook, TX  76126
866-859-7323
Debt Education and Certification Foundation         Website – www.debt-foundation.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 112 Goliad Street
Suite D
Benbrook, TX  76126
866-859-7323
Debt Reduction Services, Inc.         Website – www.debtreductionservices.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 6213 N. Cloverdale Road
Suite 100
Boise, ID  83713
208-378-0200
Debt Reduction Services, Inc.         Website – www.debtreductionservices.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 6213 N. Cloverdale Road
Suite 100
Boise, ID  83713
208-378-0200
Children’s and Family Service d/b/a Family Service Agency         Website – www.familyserviceagency.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 535 Marmion Avenue
Youngstown, OH  44502
330-782-5664
Family Financial Education Foundation         Website – www.ffef.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 724 Front Street
Suite 340
Evanston, WY  82930
307-789-2010
Family Financial Education Foundation         Website – www.ffef.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – In Person :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 724 Front Street
Suite 340
Evanston, WY  82930
307-789-2010
Institute for Financial Literacy, Inc.   dba – IFL      Website – www.financiallit.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 449 Forest Avenue
Portland, ME  04101
207-879-0389
Institute for Financial Literacy, Inc.         Website – www.financiallit.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 449 Forest Avenue
Portland, ME  04101
207-879-0389
GreenPath, Inc.         Website – www.greenpathbk.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish, 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429
800-630-6718
GreenPath, Inc.   GreenPath, Inc.      Website – www.greenpathbk.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish, 38505 Country Club Drive, Suite 210
Farmington Hills, MI  48331-3429
800-630-6718
Hummingbird Credit Counseling and Education, Inc.         Website – www.hbcce.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 3737 Glenwood Avenue
Suite 100
Raleigh, NC  27612
800-645-4959
Hummingbird Credit Counseling and Education, Inc.         Website – www.hbcce.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 3737 Glenwood Avenue
Suite 100
Raleigh, NC  27612
800-645-4959
InCharge Education Foundation, Inc.         Website – www.inchargefoundation.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 5750 Major Blvd
Suite 310
Orlando, FL  32819
866-729-0049
InCharge Education Foundation, Inc.         Website – www.inchargefoundation.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 5750 Major Blvd
Suite 310
Orlando, FL  32819
866-729-0049
Alliance Credit Counseling, Inc.         Website – www.knowdebt.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 13777 Ballantyne Corporate Pl.
Suite 100
Charlotte, NC  28277
888-594-9596
Alliance Credit Counseling, Inc.         Website – www.knowdebt.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 13777 Ballantyne Corporate Pl.
Suite 100
Charlotte, NC  28277
888-594-9596
National Financial Literacy Foundation, Inc.   bkclass.com      Website – www.learnfinances.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 555 Winderley Place
Suite 300
Maitland, FL  32751
877-380-6353
National Financial Literacy Foundation, Inc.         Website – www.learnfinances.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 555 Winderley Place
Suite 300
Maitland, FL  32751
877-380-6353
Money Management International, Inc.         Website – www.moneymanagement.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719
(877) 964-2227
Money Management International, Inc.         Website – www.moneymanagement.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 9009 West Loop South
Suite 700
Houston, TX  77096-1719
(877) 964-2227
MoneySharp Credit Counseling Inc.         Website – www.moneysharp.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 2713 N. Central Park
Chicago, IL  60647
866-200-6825
Credit Card Management Services, Inc.         Website – www.mybkcounseling.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4611 Okeechobee Blvd.
Suite 114
West Palm Beach, FL  33417
800-920-2262
Credit Card Management Services, Inc.         Website – www.mybkcounseling.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4611 Okeechobee Blvd.
Suite 114
West Palm Beach, FL  33417
800-920-2262
Credit Card Management Services, Inc.         Website – www.mybkcounseling.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 4611 Okeechobee Blvd.
Suite 114
West Palm Beach, FL  33417
800-920-2262
1st Choice Credit Counseling & Financial Education a/k/a DBSM, Inc.         Website – www.mybknow.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 2049 Marco Drive
Camarillo, CA  93010
877-692-5669
1st Choice Credit Counseling & Financial Education a/k/a DBSM, Inc.         Website – www.mybknow.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 2049 Marco Drive
Camarillo, CA  93010
877-692-5669
SK Foundation         Website – www.myonlinebankruptcyclass.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 60 E. Hopkins Road
Gilbert, AZ  85295
877-376-7122
Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt         Website – www.novadebt.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 225 Willowbrook Road
Freehold, NJ  07728
732-409-6281
Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt         Website – www.novadebt.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 225 Willowbrook Road
Freehold, NJ  07728
732-409-6281
Black Hills Children’s Ranch, Inc.         Website – www.pioneercredit.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1644 Concourse Drive
Rapid City, SD  57703
605-348-1608
Black Hills Children’s Ranch, Inc.         Website – www.pioneercredit.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1644 Concourse Drive
Rapid City, SD  57703
605-348-1608
Black Hills Children’s Ranch, Inc.         Website – www.pioneercredit.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet and Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 1644 Concourse Drive
Rapid City, SD  57703
605-348-1608
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 80 North Wood Road
Suite 200
Camarillo, CA  93010
877-615-7873
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Mandarin 80 North Wood Road
Suite 200
Camarillo, CA  93010
877-615-7873
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Chinese, Yue/Cantonese 80 North Wood Road
Suite 200
Camarillo, CA  93010
877-615-7873
CCCS of Ventura County, Inc. / SurePath Financial Solutions         Website – www.surepath.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 80 North Wood Road
Suite 200
Camarillo, CA  93010
877-615-7873
Take Charge America, Inc.         Website – www.takechargeamerica.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 20620 North 19th Avenue
Phoenix, AZ  85027-3585
623-266-6100
The Kingdom Ministries, Inc.         Website – www.thekingdomministries.com:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A 6094 Apple Tree Drive
Suite 11
Memphis, TN  38115
901-552-5131
The Mesquite Group, Inc.         Website – www.themesquitegroup.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Telephone :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :Spanish 600 Six Flags Drive
Suite 400
Arlington, TX  76011
817-769-4069
ConsumerBankruptcyCounseling.info, a Project of the Tides Center   Consumer Bankruptcy Counseling Project, a Project of the Tides Center      Website – www.tidescenter.org:      Financial Management Instructional Courses (Debtor Education) Delivery Method – Internet :   Language (other than English) in which the service method is provided, either through a translator, written materials, or both :N/A

Your Access to Free Credit Reports

Your Access to Free Credit Reports

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

A Warning About “Imposter” Websites

Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.

Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.

Annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.

Q: What information do I need to provide to get my free report?

A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.

Q: Why do I want a copy of my credit report?

A: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report to:

  • make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
  • help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.

Q: How long does it take to get my report after I order it?

A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.

Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity.

There also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you know.

Q: Are there any other situations where I might be eligible for a free report?

A: Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $10.50 for another copy of your report within a
12-month period.

To buy a copy of your report, contact:

  • Equifax:1-800-685-1111; equifax.com
  • Experian: 1-888-397-3742; experian.com
  • TransUnion: 1-800-916-8800; transunion.com

Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.

Q: Should I order a report from each of the three nationwide consumer reporting companies?

A: It’s up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That’s not to say that the information in any of your reports is necessarily inaccurate; it just may be different.

Q: Should I order my reports from all three of the nationwide consumer reporting companies at the same time?

A: You may order one, two, or all three reports at the same time, or you may stagger your requests. It’s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.

Q: What if I find errors — either inaccuracies or incomplete information — in my credit report?

A: Under the FCRA, both the consumer report­ing company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.

  1. Tell the consumer reporting company, in writing, what information you think is inaccurate.
  2. Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

    When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

  3. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again.

Q: What can I do if the consumer reporting company or information provider won’t correct the information I dispute?

A: If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your state­ment to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.

If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a consumer reporting company.

Q: How long can a consumer reporting company report negative information?

A: A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. There is no time limit on reporting information about crimi­nal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, which­ever is longer.

Q: Can anyone else get a copy of my credit report?

A: The FCRA specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, em­ployment, or renting a home are among those that have a legal right to access your report.

Q: Can my employer get my credit report?

A: Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.

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