So, I was talking to a friend recently and I gave them some financial advice. This person remembered the advice but didn’t act on it. This person is planning on refinancing their house. This person decided to go see a credit counselor for some suggestions on improving their credit. They had a free coupon to see them but otherwise it would have been about $100.00 to get see the credit counselor. After an hour session, the counselor told them basically the same thing I did, although in 60-minutes verses the10-minutes it took me!