Credit Counseling Services

Take control of your financial commitments

Living paycheck to paycheck? Worried about debt collectors? Can’t seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may want to consider the services of a credit counselor. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But beware — just because an organization says it is “nonprofit” doesn’t guarantee that its services are free or affordable, or that its services are legitimate. In fact, some credit counseling organizations charge high fees, some of which may be hidden, or urge consumers to make “voluntary” contributions that cause them to fall deeper into debt.

Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

If you possess one or more credit cards and find that you cannot meet the payments, like many consumers, you need to consider the benefits of a consumer credit counseling services. The longer the payment is outstanding, the more you will accrue in, often expensive, late payment fees and high interest. You are not alone; many people find themselves in this position. According to The United States Census Bureau, 28% of credit card holders almost never met their payments in 1997 and it is believed that the situation is getting worse.

You need to take control of your financial commitments. Consumer credit counseling services are designed to help you assess and improve your use of credit. Part of the process is to review the terms of your current credit cards such as the interest rate and late payment penalties. Credit counseling will suggest ways to reduce your financial burden, and ensure that you do not slip back into debt.

Fiscal Fitness: Choosing a Credit Counselor

If you decide to work with a debt negotiation company, be sure to check it out with your state Attorney General, local consumer protection agency, and the Better Business Bureau. They can tell you if any consumer complaints are on file about the firm you’re considering doing business with. Also, ask your state Attorney General if the company is required to be licensed to work in your state and, if so, whether it is.

For More Information: Fiscal Fitness: Choosing a Credit Counselor

Here's OTHER well-known companies offering Credit Counseling products to find the exact combination of service and value you want.

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American Debt Enders

American Debt Enders is a Personal Debt Management and Free Credit Counseling referral service offering multiple services and solutions to relieve debt. Enroll you in a Debt Consolidation Program to dramatically Lower Interest Rates, and protect your credit. Enroll you in an FTC compliant Debt Settlement Program with No Upfront Fees.Provide Legal Information if you are being harassed by Creditors. Set Up A Free Consultation with a Bankruptcy Attorney, if necessary. We have access to resources you simply are not aware of. Stop being a victim and achieve debt freedom

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eGuide Services Debt Settlement

If you are in need of debt settlement eGuide Services will assign an attorney to negotiate with your creditors and monitor for FDCPA violations. Complete eGuide Services no obligation online form and one of eGuide Services representatives will create a settlement plan to assist you with your debt settlement needs.

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Sky Blue Credit Repair

Sky Blue Credit Repair offers an awesome program that includes everything you need to improve your credit, all for a single low monthly fee. The Sky Blue program includes credit bureau disputes, debt validation, and comprehensive counseling services. The Sky Blue Credit Repair program is ideal for anyone interested in real and lasting credit improvement. Highly recommended!

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Credit Mindset

Get started today on the path to improved credit and a better way of life. Our proprietary Credit Repair program uses multiple approaches to improve your credit fast. We review your credit bureau files, dispute inaccurate or derogatory information on your behalf, and help you add new positive items to your files while learning key credit tactics and good habits.

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Ovation Credit Services

Ovation works with credit bureaus and creditors to resolve questionable items on your credit reports. Higher credit scores result in lower interest rates. Better rates mean you pay less every time you finance. Ovation has successfully resolved questionable items on credit reports including: Late Payments, Collections, Charge-Offs, Bankruptcies, Judgments, Liens, Inquiries, Foreclosures, and more.