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FCAA

The Financial Counseling Association of America

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Understanding Your Credit Score and How to Build Good Credit

August 8, 2024

As you plan and set financial goals, many of those goals may require you to use credit to achieve them. However, the credit limits, rates and loans granted are not the same for everyone. Understanding your credit score is important to get the best rates and approvals needed to realize your dreams.

A high credit score can open doors to better credit terms, lower payments and interest rates and other opportunities. It can often save you money in the long term. Lower credit scores limit opportunities, often increase interest rates and may prevent you from obtaining loans.  

[Read more…] about Understanding Your Credit Score and How to Build Good Credit

Filed Under: Credit Cards, Credit Score, Debt Management

Debt Advice – How to Know Who to Trust

July 7, 2024

Money is a top stressor for adults in the United States today. With overdue credit card debt at the highest level in decades added to student loan payments and mortgage debt, many Americans are struggling to get out of debt. And they don’t know where to turn to get trustworthy debt help. 

Determining how to pay off debt can be a challenge, though. Some can read a book and translate principles into their own financial lives. But others need help choosing the best debt relief method, setting a realistic budget and staying on course.  [Read more…] about Debt Advice – How to Know Who to Trust

Filed Under: Credit Cards, Debt Management

Are Reverse Mortgages Beneficial?

June 8, 2024

Thousands of Baby Boomers are hitting retirement age each year, but many are not financially prepared for the next 20+ years of life. Rising healthcare costs, food costs and inflation are siphoning off seniors’ hard-earned retirement funds faster than expected. A reverse mortgage could be the solution.

Seniors who own their homes can obtain money for living expenses by tapping into the equity in their homes through a reverse mortgage.  [Read more…] about Are Reverse Mortgages Beneficial?

Filed Under: Budgeting, Credit Cards, Debt Management

How to Protect Yourself from Financial Scams

May 9, 2024

Are you up on all the latest financial scams? You might be surprised at how sophisticated and convincing scams have become and how many people fall prey to scammers. 

Scenario 1: The phone rings at 7 p.m. The caller says he is from a collections agency, and you need to pay your outstanding debt now or you will be arrested. What should you do?

Scenario 2: You receive a call saying your granddaughter was arrested for using her iPhone while driving. The caller pressures you to pay to keep her out of jail, and then you hear her voice on the line telling you to wire money. Should you do it?  [Read more…] about How to Protect Yourself from Financial Scams

Filed Under: Credit Cards, Credit Score

FCAA 2024 Annual Conference Kicks Off This Week in New Orleans

April 29, 2024

NEW ORLEANS (Apr. 29, 2024) – The Financial Counseling Association of America (FCAA) will hold its annual conference in New Orleans May 1-3, 2024. National credit counseling agency (CCA) professionals, lending institutions and other industry experts will come together to discuss best practices, ideas and trends relevant to credit counseling agencies and the constituents they serve. [Read more…] about FCAA 2024 Annual Conference Kicks Off This Week in New Orleans

Filed Under: FCAA News

4 Ways to Spend Your Tax Refund Wisely

April 1, 2024

Tax season has arrived. This means you’ll either owe money for underestimating your taxes or the IRS will be sending a tax refund your way. While this seems like a compelling time to splurge on that thing you’ve been eyeing, the FCAA urges you to pause and look to the long term. Yes, we realize this isn’t the “fun” choice. However, choosing how to spend your tax refund wisely may make life a lot more fun and much less stressful in the years to come.  

In this article, we will share why you are receiving a refund and discuss four smart ways to spend your tax refund.  [Read more…] about 4 Ways to Spend Your Tax Refund Wisely

Filed Under: Budgeting, Debt Management

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Consumer Advice

  • How to Prepare for Your Credit Counseling Session
  • Cómo encontrar asistencia durante y después de un desastre natural
  • Helping Families with Disaster Preparedness and Assistance
  • A Parent’s Guide to College Credit Card Confidence
  • What is Financial Literacy and Why We Care

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The FCAA is a member-supported 501(c)(3) non-profit national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services. Learn more about our Mission.

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