U.S. Treasury Approved State/Federal 501(c)(3)Credit Counseling Consumer Advocate Professionals First Stone® Credit Counseling™ (FSCC™) is a United States Treasury APPROVED Consumer Advocate Credit Counseling organization, with an IRS 501(c)(3) certification. To eliminate consumers' "financial stress" through CREDIT FILE and SCORE, correction, clean-up and restoration, with settlements when necessary, along with EDUCATION starting by thoroughly analyzing our clients' debt and economic structure, then along with implementing a customized plan we manage and settle any valid debts while correcting and restoring inaccurate credit files and scores within a reasonable time frame. In other words, LEGAL CREDIT REPAIR along with CREDIT EDUCATION as The Credit Repair Act, law requires.