Dear Congress: Your credit application has been turned down

Dear Congress: Your credit application has been turned down.

You may also wish to contact a consumer credit counseling agency. The National Foundation for Credit Counseling can help you locate a reputable counseling agency in your area. You may also wish to visit the NFCC’s website for helpful tips on such subjects as

•drawing up a budget
•living within your means
•saving during tough economic times
•steps to take when your finances get out of control