One of the Foothills Community Action Partnership credit counselors had been working with a young woman on credit and budget counseling trying to prepare her for a homebuyer program offered in one of the agency’s service areas. The young woman had been doing a great job and was very close to being prepared to send in for approval by Rural Development for financing when she informed the counselor she had recently gotten married. The counselor then set up a meeting with the couple. They discovered the husband’s credit was not very good. He had debt with a Rent- to- Own store as well as a local Check-n-Go establishment. As a result, the couple had to begin the credit counseling once again to begin paying off debts as well as “credit clean up”. The now have realized that they have to pay extremely high interest, fees, and penalties which could have been avoided by saving for purchases or even going to local financial institutions. The couple continues to work on their credit and budget issues, with the hope of becoming new homeowners in the future.