Select A Department:

Courses in this Department

How Ready Are You to Buy a Home?

Determining Your Dream Home and Finding It!

Factory Built Homes Are Worth a Look

Purchase Manufactured Homes with FHA Loan

How to Buy a Foreclosed Home

Pros and Cons of Corner Lots

Know the Neighborhood Before You Buy

Tune in to an Open House on the Radio

Finding a Qualified Broker or Agent

Shopping for a Loan and Choosing a Lender

How to Improve Your Credit

How to Survive the Loan Application Process

Making an Offer and Signing Contracts

Cancel Your Contract in 3 Days

Understanding the Closing/Settlement Process

Choosing Home Inspection and Settlement Professionals

Double Check Your New Home - The Walkthrough

Know Your Consumer Rights

Seniors Have Many Housing Opportunities

Preparing for the Big Day -- Relocating Moving

Make Your Home Your Castle - Cost Effective Redecorating Ideas


Credit Counseling Agencies

If It Sounds Too Good...
Watch Out for Promises They Can't Keep.

Stay away from firms that promise "easy" debt consolidation programs or that offer to "repair" your credit report for a fee. If you face serious credit problems, there are no "easy" answers. Look for these answers instead.

NOTE: Sources used to create this list include

1 - Will you send me information about your agency and programs? A credit or financial counseling agency should send you information without requiring anything from you-such as your account numbers and balances.

2 - Is there a minimum amount of debt required in order to work with you? The answer should always be "no."

3 - Is there a mandatory up-front fee? Beware of paying exorbitant fees to participate in a debt repayment program.

4 - What kind of training do your employees have? A home study course or a few hours of classes is NOT sufficient training for credit counselors.

5 - What kind of security measures do you have to protect my information? Will information you disclose be protected, such as your social security number, account numbers, account balances, etc?

6 - What educational programs and services do you provide? An agency should provide education and services that will help you change your spending behavior and prepare you to buy a home.

7 - How often do you pay my creditors? Make sure that the agency you work with disburses payments at least weekly. A repayment plan won't help you if your payment sits at the agency for a month.

Make sure you ask these questions and you should avoid choosing the WRONG credit counseling agency.

Danger Ahead...

Now let's take a look at some pitfalls to watch out for.

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