Here are some of the free reports you can get from the Federal Trade Commission dealing with free credit repair: Credit Repair: Self-Help May Be The Best; Knee Deep In Debt; How To Dispute Credit Reporting Errors; How To Deal With Credit Problems; Credit Scoring
For your copies, contact Consumer Response Center, 600 Pennsylvania Ave., NW, H-130, Federal Trade Commission, Washington, DC 20580; 
202-326-2222
or 877-FTC-HELP; www.ftc.gov
The following non-profit and government organizations provide free or low-fee credit counseling services. You can contact them to find the office nearest you. Some of these offices are financed by the bank and credit card industry, who are biased toward having you pay all your bills without using the bankruptcy option. So be sure that they explain your bankruptcy options.
- National Foundation for Credit Counseling, 801 Roeder Road, Suite 900, Silver Spring, MD 20910; 301-589-5600; www.nfcc.org
- Free internet credit counseling services from the non-profit organization, Credit Counseling Center of America, P.O. Box 830489, Richardson, TX 75083-0489; 800-493-2222; www.cccamerica.org
- County Cooperative Extension Service: to find your local office, see the blue pages of your phone book.
Income Eligibility: None
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