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Consumer Credit Counseling

Why participate in Consumer Credit Counseling?

Why choose AAA Fair Credit Foundation?

People choose consumer credit counseling services because... People choose AAA Fair Credit Foundation because...
  • It stops creditor harassment such as collection calls and letters demanding payment in full.
  • They realize that paying off their debts by themselves will take them forever.
  • Their interest rates are so high their monthly payment is only being applied to finance charges, not principal.
  • Save money with lower monthly payments and still actually get out of debt in a fraction of the time. In some cases, we are also able to re-age your account. This action may stop late fees from accruing to your account.
  • It's more convenient to only have to pay one bill and not have to write 5...10...or 15 separate checks. By using Direct Withdrawal, we can deduct your monthly deposit from your checking or savings account. This service will ensure your payments are disbursed on time.
  • Our program will combine all your creditor obligations into one monthly deposit. Once your deposit has arrived at our office, it is then disbursed to your creditors individually.
  • Current, consistent on time payments help to clean up a credit report and improve a credit FICO score better than anything else.
  • They are currently caught up on their bills, but realize that very soon they won't be and start a debt management program to avoid future creditor harassment and possibly even bankruptcy.
  • We are ISO 9001:2000 certified and are audited semi-annually by BSI Americas, a third-party auditor.
  • We are registered with the Better Business Bureau of Utah. We are a member with the American Association of Debt Management Organizations.
  • We use state of the art debt management software and technology.
  • We use the principle of Power-Payment & Roll-Over, which increases the pay-off time, saving them money.
  • We have Certified Credit Counselors and trained employees that work to ensure a pleasant and successful credit counseling experience.
  • They can always speak to a live person during our regular business hours Monday through Friday (7:00 AM - 7:00 PM MST). Clients can obtain detailed information about their individual program by utilizing our website. Monthly statements are sent automatically when payments are disbursed to creditors.
  • We have formed strategic alliances with other financial service providers to help our clients save even more money.
  • Other agencies typically hold client funds for 30 days before making payments. We disburse three times a week to avoid delays.
  • Last but not least, another satisfied customer referred them to us.
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