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You’ll probably have questions about what you see on your credit report, how negative items can affect your score or how to proceed if you believe data to be inaccurate or the result of identity theft. The NFCC-trained counselors on this message board can help with this and many other questions on budgeting, debt problems, credit cards, bankruptcy and other issues.
To post your question for a professional credit counselor, visit the Ask A Credit Counselor message board on MSN Money. They're here every weekday from 9 a.m. to 9 p.m. ET.
The National Foundation for Credit Counseling (NFCC) is the oldest and largest association of nonprofit community-based credit counseling agencies in the country. It has 113 member agencies with more than 900 locations in all 50 states and Puerto Rico. Membership requirements include adherence to strict quality standards along with required accreditation by the Council on Accreditation. NFCC counselors are certified credit counselors, and pass a stringent re-certification every two years.
The professional counselors' nicknames on the board are preceded by "NFCC," so please look for these answers. As always, NFCC counselors welcome all questions on debt, credit cards, bankruptcy, credit scores, budgeting and other money matters. You may see unsolicited advice from other consumers, but please look for answers from NFCC-certified counselors.
How to post your question
- Be specific. NFCC counselors can best help you if your questions are clear, specific and to-the-point.
- Create a new thread. Please go back to the main Ask A Credit Counselor page and scroll bottom to SIGN IN to the message board (you'll need a free Hotmail account). After signing in, use the box at the bottom of the page to post your question.
- Name your thread in the SUBJECT field! Be specific! In the SUBJECT box, write your question so you and others can find your post later. (For example, "Debt question" is not specific. "How do I pay off my $10,000 in credit card debt and also pay off my student loan?" is more specific
- Please be patient. NFCC counselors will try to respond to most questions on the same business day but you may need to return to check for responses on the next business day depending on the volume of requests. The board is open 9 a.m. to 9 p.m. Eastern time Monday through Friday. The board is closed on federal holidays.
- Look for responses marked "NFCC." These are from trained and certified credit counselors. NFCC responses are not intended, nor should users rely upon the responses, as legal or financial advice or counseling. Rather, the responses are provided for information purposes only.
- If you need immediate help or in-depth analysis of your situation, call the National Foundation for Credit Counseling toll-free at (866) 481-6322 for a referral to a credit counseling office in your area.
- Please be patient today in awaiting responses. You may need to check back on the next business day for your response. Counselors from the National Foundation for Credit Counseling will get to your question as quickly as they can, which may be in a few hours or tomorrow. If you need immediate assistance from an NFCC-certified counselor, please call (866) 481-6322 to be put in touch with an NFCC member agency near you.
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