rcarmine@myfinancialpower.org
800-298-0237

Short Bio of Qualifications:

• NACCC Certified Financial Counselor
• HUD Certified Housing Counselor
• PHFA Housing Counseling Specialist
• NCHEC Certification in Housing Counseling
• NCHEC Foreclosure Intervention & Default Counseling

What I am Passionate About: In the counseling world, I am passionate about dispelling myths and misinformation about credit reports and credit scores. Every one of us can gain the knowledge to tackle our own credit issues and increase scores. It is heartbreaking to hear clients who have been scammed and who have paid great amounts for “credit repair”. At no cost and with proper counseling, anyone can increase any credit score themselves.

What Podcasts I Recommend: In Our Time is a BBC podcast that is like an audio encyclopedia with subjects as diverse as the Inca, Scottish poetry, Medieval money lending, Fungi, and Aristotle.

Books I Recommend: I love to read Encyclopedias and reference material. The Timetables of History gives a cross-section of world history in little bites covering daily life, politics, science, economy, the arts, and more.