Prospective Buyer

American Consumer Credit Counseling is a non profit credit counseling agency that helps consumers take control of their financial lives through credit counseling, debt consolidation and financial education. Since 1991 we have been improving lives and providing solutions to people in need of financial help. Visit this site to find more info and to find a certified credit counselor and receive a complimentary budget and debt consultation.

This site by the Federal Trade Commission offers consumers information and help on credit issues: According to the Fair Credit Reporting Act(FCRA)each of the nationwide consumer reporting companies:Equifax, Experian and TransUnion are required to provide you with a free copy of your credit report, at your request, once every 12 months. Here you will also find information on possible imposter websites of which you should be aware.

This very helpful document from the University of Minnesota's extension service will help you understand the complexity of credit scores and why it is important to manage your credit well if you plan on borrowing money now or in the future.

The Federal Reserve's new rules for credit card companies mean new credit card protections for you. Here are some key changes you should expect from your credit card company beginning on February 22, 2010:

MyMoney.gov is the U.S. government's website dedicated to teaching you the basics about financial education. Whether you are planning to buy a home, balancing your checkbook, or investing in your 401k, the resources on MyMoney.gov can help you do it better.

Everyone should check their credit annually. It is best to always be informed about your credit status, in order to avoid financial trouble as well as possible credit fraud. To get your annual free credit report follow this link.

Do you really know where your spend your cash? Use this tool provided by Consumer Credit Counseling Services for a week to find out just how much you spend on the things you may not have considered.