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With our dedicated team of experts, you can get support that is tailored to your unique situation.

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Free

Learn financial concepts that every person should know. From debt elimination to interest. It’s easy!

Fees :

$99

Learn laws that protect people from deceptive practices by debt collectors.

Free

Learn what makes business credit and what builds a relationship with your business suppliers and lenders.

Financial Literacy Courses

recent insights

Which bank should I use?

It’s our belief that the best banks to use are Credit Unions in your area. Credit unions are known for being a greater help to consumers than national banks. Check out our free course on banks!

What are your operating hours?

We are open from 9 AM to 7 PM EST, Monday to Friday. On Saturday we open from 10 AM to 5 PM. We’re closed on Sundays. Holiday hours may vary.

What’s the difference between FICO and Vantage 3.0 credit scores?

FICO and Vantage are both credit scoring models used to check creditworthiness but have different scoring criteria.

FICO is more widely used by lenders and focuses on factors like payment history and credit utilization.

Vantage is a newer scoring model, and it’s not as widely adopted as FICO. It can be more flexible in how it treats certain credit behaviors.

Check out the free course to learn more!

How long do negative items stay on my credit report?

Most negative items will fall off of your report after 7 years, although it could take as long as 10 years.

How much should I save for retirement?

The amount is different for everyone so in order to find out how much you need. You must speak with a financial advisor. They will tell you what’s your Financial Independence Number (FIN).

Got any more questions?

Why not send us an email? info@whyconsumercounseling.org

Please have the subject line as Question.