AAA Fair Credit Foundation | Nonprofit Credit Counseling, Debt Management, Financial Management Education, Asset-Building

Living paycheck to paycheck? Worried about debt? Can’t seem to develop a workable budget, let alone save money? If this sounds familiar, we can help.
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Helping People Take Control of Their Finances

AAA Fair Credit Foundation (FCF) is a national ISO 9001:2000 certified 501(c)(3) non-profit organization providing financial counseling, financial education, debt management, and asset-building programs. Our mission is to help individuals and families experiencing financial distress restore financial balance by providing customized financial counseling services tailored to meet their specific needs. We serve to help consumers overcome the isolation many people feel when dealing with overwhelming financial burdens. Not only do our programs change lives and financial behaviors, they also help eliminate the outside distractions finances can cause.

Personal Financial Counseling & Coaching
Our Certified Credit Counselors provide a free personal comprehensive analysis of your financial situation. They will discuss a full range of options and strategies to consider for addressing your financial situation. These include a thorough written budget analysis, establishing debt management plans, providing financial literacy education resources, and more. Our Counselors will discuss the advantages and disadvantages of each option and will make recommendations for which options are best suited to meet your individual needs, goals and circumstances.

Financial Literacy Education
Through either financial counseling or our ConsumerCents® financial education empowerment program, we will provide you with information or even coach you through major life events such as buying a home or car, avoiding foreclosure, dealing with identity theft, evaluating your credit score, dealing with potentially illegal harassing collection calls, and much more.

Debt Management Plans & Automatic Bill Pay
Through our debt management program we help people become debt-free. In most cases, our debt management program can help reduce payments/interest to creditors enablling people to avoid bankruptcy and get out of debt.

Housing Counseling & Foreclosure Prevention
Housing Counseling & Foreclosure Prevention is designed to help homeowners keep their home, establish financial stability, and learn strategies to avoid similar situations in the future.

Individual Development Accounts (IDAs) & Asset-Building Solutions
FCF’s asset-building program, the Utah Individual Development Account Network (UIDAN), is a multi-faceted economic stimulus program designed to provide low-wage working families with the opportunity, incentive, and institutional support necessary for them to save for and acquire productive assets that yield new wealth and long-term financial stability. The program matches $3 for every $1 saved for qualified participants which can then be used to toward education, home ownership or small business development.

Workplace Financial Wellness
By providing people with access to financial literacy education, financial distress decreases and financial well-being improves. AAA Fair Credit Foundation's ConsumerCents® Employee Assistance Program (EAP) can be delivered on-site at your organization, at a time convenient to you and your staff. The same courses are available to churches, schools, and community groups in an effort to spread financial education awareness and strengthen our society.

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