Free Credit Counseling

Credit Café – Mastering Your Credit

Would you like to better understand your credit and what your credit report is telling you? Are you interested in learning tips and tricks to build, fix, or maintain your credit?

Register for a FREE 2-Part Credit Workshop where you will attend a 1-hour instructor lead group workshop and receive a 30 minute credit review counseling session, where you will walk away with a free credit report and goals on what to do next.
Credit Cafe’s are offered the 2nd and 4th Thursdays of every month 100% online through virtual meeting software. There will also be a morning workshop available from 10-11am and an evening workshop available from 5-6pm on each of those Thursdays. REGISTRATION IS REQUIRED.
Please Contact Lacy Ames at to request upcoming dates, time availability and registration form. The registration form will then be emailed to you via HelloSign to be completed 100% electronically.

Free Credit Score, Report & Counseling 

Need help with your credit? Get your own free credit report – with your three credit scores – and learn what it means with your own financial coach. Then, find out how to build and maintain a favorable credit score. 

Contact:  Lacy Ames, 301-788-0239 or  

City of Frederick Department of Housing and Human Services

The City of Frederick Department of Housing and Human Services, a HUD-Approved Housing Counseling Agency, offers a virtual Homebuyer Education Workshop. The workshop is held VIA ZOOM in three-hour sessions from 6:30 PM to 9:30 PM on Tuesday and Thursday evenings. 

  • Steve Rose, Certified Housing and HECM Counselor at 301-600-2077
  • Pat McMorrow, Certified Housing and HECM Counselor at 301-600-6206.

Or, register here: