The Financial Readiness Program offers information, education and counseling services to enhance your abilities to manage money and invest in your future.

Credit Reports and Understanding Credit

More than 25% of credit reports have serious errors. These errors will affect your ability to take out a loan or significantly increase the interest rate you pay, restrict employment opportunities, affect your security clearance, and determine how much security deposit is required for utilities, rent etc. The Fair Credit Reporting Act requires each of the three major consumer reporting companies, Equifax, Experian, and TransUnion, to provide you with a free copy of your credit report, at your request, once every 12 months. You can access your free reports through the following website Annual Credit Report (VPN required from Europe).

To learn how your credit report and credit score relate, plus how to interpret your score, Contact Army Community Service to schedule an appointment with a financial counselor at 0444-71-5846.

Debt Management

How would you like to see exactly how much interest you are paying to your creditors and   build a plan to get out of debt? University of Utah developed Take a minute to establish an account.

Financial Planning

Your money does matter! Living paycheck to paycheck leaves little breathing room. Budget your money and you will see where you can cut back and begin building emergency funds. Contact Financial Readiness Program to receive different types of budget worksheets and create your own budget today!

Where Are You Financially?

Analyzing your spending habits will allow you to see where your money is going, enable you to institute changes, and prevent you from making a financial commitment before you are ready. No matter what your results are, financial counseling is FREE at Army Community Service and can assist in finding solutions that will benefit you, your family, and your career.

Monthly Classes, Financial readiness classes currently available at ACS!

If interested in learning about various personal finance topics including budgeting, money management, home buying, investing, or other personal financial issues, please call 646-5846 (DSN) or 0444-71-5846 (CIV) for face-to-face or unit training.