Credit Counseling The NFCC is an organization of credit counseling agencies that promotes quality credit counseling, debt reduction services and education in managing personal finances. It sets standards for agency accreditation, counselor certification and policies that ensure free or low-cost confidential services. NFCC member offices can be reached toll-free at 1-800-388-2227.

Credit Report By law, you are entitled to receive one free credit report from each of the three national credit reporting agencies per year. You can order them or view them immediately online at annual credit report— after you provide identification information. You also may order your credit score from each agency, but you will have to pay a small fee per score.

Consumer Debt Advice Designed to help consumers understand the wise use of credit and to locate certified counselors to assist in any debt issues that may arise either from a mortgage or otherwise. Find a NFCC member location near you. Use the Member Agency Locator, or call: 1-800-388-2227 for 24-hour automated office listings.