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Credit counselors normally offer their services through the Internet or on telephones. Some counselors offer in person counseling. Financial , Establishing Credit What You Need To Know Part 1 institutions, credit , Scoring For Beginners unions, U.S. Cooperative Extension Service, local consumer protection agencies and many universities offer credit-counseling services on a non-profit basis.

The FTC gives free information to the customer , The Golden Goose Is Sick regarding fraudulent business , Help Your Small Succeed With A Credit Card practices. They can be visited at their official website at www.ftc.gov

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