San Diego, CA.    The ICFE's Spendermender, a/k/a Paul Richard, is a registered financial consultant (RFC), and the ICFE's executive director, who also is a Certified Consumer Interviewer on the Fair Credit Reporting Act, by the Consumer Data Industries Association.  The Spendermender is now available for telephone or online counseling.  

More information about Paul Richard.

Counseling is available in the following topics include: 

Mending Spending:
 Improve spending techniques
 Reduce impulse spending
 Getting more value in spending

Debt Counseling
 Reducing indebtedness
 Debt consolidation - do-it-yourself
 Debt negotiation - do-it-yourself

Credit Use Counseling
 Using credit wisely
 Introducing credit to young people
 Credit cards versus debit cards
 Credit education courses and programs

Credit Report Review Service
 How to understand credit reports
 Is your credit report doing something to you or for you?
 Credit Ratings and  FICO credit scores
 Changing your FICO credit score

Credit File Correction  - a/k/a  Credit Repair
 How to make changes and corrections on credit reports
 What to check in all credit reports
 Writing letters to communicate smoothly with credit reporting agencies.

Here is an opportunity for individuals, anywhere in the United States, whose spending may be out of control, or someone who needs to fine tune their finances, (but  doesn't need a credit counselor to run interference with their creditors), or individuals whose finances may be out of kilter to get immediate help and counseling online or telephone counseling with the ICFE's Spendermender.  If help is needed understanding one's credit scores and reports or if hurtful spending may have damaged an  individual's credit ratings and FICO credit scores, professional help is just a click or phone call away.

The ICFE and the Spendermender want to help thousands of Americans, who may be victims of poor spending practices and habits and many others who find they seemingly have little or no control over their actions and need help changing their harmful spending and the all too certain negative outcomes that result.  Some of the  stories about the financial havoc that visits people whose spending needs mending or how spending can inflict harm on someone's once good credit rating are legendary and plentiful.

Individuals who reside in the greater San Diego area, may also make appointments for in office, (or in home) one-on-one counseling, on spending and credit report reviews.

Online Counseling Method - Live chat by appointment*

30 minute session $35
45 minute session $45
60 minute session $60

Optional Counseling Method - Telephone by appointment*

30 minute session $35
45 minute session $45
60 minute session $60

*payable by credit or debit card at time of appointment