Credit Counseling of ArkansasWant free one-on-one counseling for your housing situation or to take a class for first time home buyers? Non-profit Credit Counseling of Arkansas (CCOA) helps locals navigate the complicated housing world. Make a free appointment to visit their offices in Springdale, Fayetteville, or Bentonville. All counseling services are offered in English, Spanish, and can be arranged to be in Marshallese.