

#American consumer credit counseling how to#
How to Choose the Right Credit Counselor for YouĬredit counseling services aren’t identical, and it’s important to do some research beforehand when choosing a credit counseling agency. So, if you’re meeting with a credit counselor, you should be walking away with a plan that fits you specifically. Consolidate bills into a single monthly paymentĬredit counseling is designed to be personal, not one size fits all.Eliminate late fees and over limit charges.The member agencies of the NFCC, for example, can help you: The kind of help you can get through credit counseling services will vary, depending on the agency. This involves having a credit counselor look over your finances and use their expertise to help you create a strategic plan. How Credit Counseling WorksĬredit counseling is designed to help you create a game plan for managing your finances. The solutions offered through credit counseling services can be tailored to your situation and needs.


How that happens can depend on what type of credit counseling services you need. The end goal is to improve your financial situation, supported by instilling better financial habits you can apply in the future. What Is Credit Counseling?Ĭredit counseling is a process in which you work with a credit counselor to develop a plan for managing your finances. Learn more about how credit counseling services work, to help decide if credit counseling is right for you. When you’re ready to tackle your debt and get your personal finances back on track, consumer credit counseling may be your best option.

That same survey found that 27% of Americans don’t always pay their bills on time. Nearly six in 10 people say they struggle with paying down debt, according to a survey conducted by the National Foundation for Credit Counseling ( NFCC). If you’re having trouble making and sticking to a budget, or you need advice on how to pay off debt, a certified credit counselor could help. Consumer credit counseling services are designed to help people get their debt under control.
