We realize how unexpected events can cause overwhelming financial distress. AAA Fair Credit’s certified counseling staff is here to assist you every step of the way by providing customized financial counseling to help you regain control of your finances. Certified financial counselors are online now to answer your confidential questions or call us at (800) 351-4195. AAA Fair Credit Foundation is a 501(c)(3) nonprofit financial organization which specializes in personal finance education and credit counseling services. Our goal is helping individuals and families learn how to save, spend, borrow, and manage their finances wisely to improve financial well-being and quality of life. Does credit counseling damage your credit? You may have heard that credit counseling will trash your credit report or even that it's "worse than bankruptcy." Neither is really true. Click here to read more. Posted by: GB 3/19 4:03 pm Bankruptcy - When should you bail out? Financial troubles have led millions of Americans to file for bankruptcy, often using the process as an "alternative." How wrong. Filing for bankruptcy is the last resort to your financial woes, not a choice. If you are in debt and need to file, however, there are pitfalls you can avoid. Click here to read more. Posted by: KD 3/5 1:15 pm How can I get a lower Credit Card interest rate? Getting a lower interest rate from your credit card company is easier than you think. In many cases, all you have to do is call and ask. Click here to read more. Posted by: AM 3/8 10:45 am How do I dispute a credit card purchase? Don't you just hate it when you buy a product and bring it home, only to discover the product is damaged or poorly made? Click here to read more. Posted by: AB 3/11 11:06 am What exactly is a Credit Report? Whenever you apply for any type of credit or financing, a credit report is pulled from at least one of the three major credit bureaus. Click here to read more. Posted by: RS 3/13 12:15 pm What is a Credit Score? A credit score is used by creditors to determine how good a credit risk you are. It has predictive value for telling the lender how likely you are to repay a loan or to make payments on time. Click here to read more. Posted by: TD 3/10 3:06 pm What are the most destructive personal financial decisions a person can make? Click here to read more. Posted by: JC 3/7 8:40 am Why you should never co-sign a loan You may think you're doing a good deed by adding your name to a loan. Don't do it. You could be headed for big financial trouble. Click here to read more. Posted by: CP 3/1 1:22 pm