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Ms. Gail Cunningham

Direct Phone: (940) ***-****       

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National Foundation for Credit Counseling

2000 M Street NW Suite 505

Washington Dc, District of Columbia 20036

United States

Company Description

The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation's largest and longest serving national nonprofit financial counseling organization. The NFCC's mission is to promote the national agenda for financially responsible behav ... more

Find other employees at this company (71)

Background Information

Employment History

Vice President - Macquarie Group Foundation

Macquarie Capital Inc.

Vice President of Business Relations

Consumer Credit Counseling Service INC

Development Manager

Philharmonia Orchestra


National Foundation for Consumer Credit , Inc.

Development Manager

Construction Youth Trust LTD


Board Member
Long Term Conditions Alliance Scotland

St. Joseph’s Performance Improvement Council

St. Joseph’s Performance Improvement Council

Member, Many Local Boards
Better Business Bureau Inc

Community Advisory Board
Bank One Corporation


The University of Texas at Austin

Tulane University

University of Texas at Austin






Web References (200 Total References)

Author Bios | NFCC Blog: Staying the Course [cached]

Gail Cunningham Gail CunninghamGail Cunningham manages Media Relations for the National Foundation for Credit Counseling.

Gail Cunningham

"The NFCC is pleased to honor ... [cached]

"The NFCC is pleased to honor Experian's Victor Nichols with the 2013 Making the Difference Partner award and to acknowledge the strength and power that our relationship provides to consumers," said Gail Cunningham, vice president of membership and public relations at the NFCC.

NFCC: Becoming a Member [cached]

Gail Cunningham Vice President of Public Relations

"Our mission at the NFCC has ... [cached]

"Our mission at the NFCC has always been to provide the public with the resources necessary for financial stability," said Gail Cunningham, spokesperson for the NFCC.

According to Gail ... [cached]

According to Gail Cunningham, senior director of public relations for the National Foundation for Credit Counseling based in Silver Spring, Md., consumers mired in debt make common financial blunders, most of which can be prevented with discipline and behavior changes. Learn from these mistakes and start paying off your debt.

But most people continue to charge on the new card and wind up with more debt once the teaser rate expires, says Cunningham.
"Anything you can legally do to repair it you can legally do for free," says Cunningham.
Try this: "The best time to negotiate is before the problem spirals downhill," says Cunningham.
Cunningham suggests that if you enjoy watching TV, but don't tune into a majority of the 300 plus channels you have, consider cutting back on your cable package instead of cutting out TV altogether.
For a detailed household spending plan, try our home budget work sheet. Or, get help creating a budget with our budget calculator. Plan for future costs by figuring up the total amount you'll owe and divide by the number of months you have until that day, says Cunningham. If you have money due next month, divide by the number of weeks you have and save that amount every week.
Bad Habit No. 5: Using retail store credit cards to take advantage of discounts Chances are that card carries a high interest rate you'll be forced to deal with if you don't pay off your balance each month.
Try this: If you must charge your purchase, use your general purpose credit card, says Cunningham.
"That rainy day will happen," Cunningham says. "It's not a matter of if, it's a matter of when. If your tire goes flat and you can't pay upfront for the replacement, for instance, you're stuck with charging it or reducing funds earmarked for necessities. That's where the emergency fund fits in.
Try this: Maintain an emergency fund of at least three to six months' worth of living expenses and keep your insurance plans up to date. Work toward that goal by socking away 10 percent of your take-home pay each month in a liquid savings account, says Cunningham.
Try this: "Pay for living expenses first," says Cunningham.
"Creditors are constantly reviewing your credit activity, and if they see you falling behind with one creditor, even if you have a perfect pay history with them, they can raise your interest rate," says Cunningham.
Try this: On a calendar, mark upcoming paydays and payments that should come out of that paycheck, she says.
By paying interest on interest, you lose any savings from buying a dress on sale, Cunningham says.
Try this: If you can afford to pay more or in full, go ahead and pay as much of the balance as you can. You never know when you're going to have a tough month. Pay in full every month and you can avoid interest charges altogether.
Or, if paying more than the minimum proves difficult, consider working part time or decreasing your expenses -- or both, says Cunningham. Put all of your earnings toward the debt.

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