|
| |
|
Unlike a fixed monthly cost such as your mortgage or car payment, the amount you spend on groceries ... - Jeffrey Strain |
| |
|
Time is a luxury that most people do not have. Time is a valuable commodity, especially for busy men ... - Morgan Hamilton |
| |
|
How much can you borrow as a first time user and how easy is it to get approved for a faxless payday ... - Peter Garant |
| |
|
|
| |
|
For many people, a high credit score is just a dream. Some people are not aware of the possibility o ... - Patsy Rose |
| |
|
What to watch out for when looking into this work from home opportunity. - Thomas Tuke |
| |
|
Imagine a 76-year-old widow with an income of a little over $1,000 facing a huge medial bill or a ho ... - Vishy Dadsetan |
| |
|
While this credit card may appear to be like any other student credit card, upon further inspection, ... - Eric Wasselman |
| |
|
Stop searching in the wrong places for credit repair help, anyone asking for money up front isn't he ... - Alexander Marlin |
| |
|
| |
|
|
If you are reading this article then you have already made a step in the right direction. Admitting you need help takes a lot and having financial problems can create a strain on you and your relationships. Credit counseling can help get you out of debt and back on track. Many people struggle to find the right credit counseling service.
Profit versus Non-Profit
When looking for a credit counseling service, a person needs to find a non profit service. These organizations are in the business to help people, not to profit off of their misfortunes. They don't normally have fees and if they do, they are small, and there is more one on one attention.
Getting the Credit
If a service is reputable it will be a member of the Association of Independent Consumer Credit Counseling Agencies (AICCCA), and the National Foundation for Credit Counseling (NFCC). In order to be in these two groups services must have there ISO 9001 certification or Council on Accreditation. These are accreditations that mean that they are complying with all rules of their industry. If a service does not have these or is not a member of these groups, they are probably not the right service for you.
Counselors
The counselors at these services should be certified by groups such as the Associations for Financial Counseling and Planning Education. It is also important that your counselor did not receive a bonus for signing you up for the service. If you wanted a salesperson you would go to a car dealership!
Cost
Most services do not charge, but for those that do, never pay more than fifty dollars for their service. Also make sure that your first month's payment actually goes towards your bills and not the service. This has been the problem with some companies in the past.
Debt Free'when?
Finally, a good credit service will have you debt free in five years (in most circumstances). Make sure you are aware of how they plan on doing that, and request monthly statements showing your progress. |
| Author: L. Sampson |
| |
Author Bio:
Visit Credit Report Sense for more information on obtaining your Free Credit Report and Score Online. |
|
 |
|
| |
Related Articles |
| |
Payday Loan
|
| |
Tips for Credit Card Debt Management
|
| |
Unsecured Personal Loans
|
| |
Home Equity Loans vs Home Equity Line of Credit - Which Option Should You Choose?
|
| |
Payday Loan Online
|
| |
Use the worth of your property with secured loans UK
|
| |
Debt Management & Planning
|
| |
Business Note! How to Sell a Business Note?
|
| |
Do You have Bad Credit? Find Out How You can Still Get Home Equity Line of Credit.
|
| |
Credit Counseling - Can It Get You Into More Trouble?
|
| |
|
|
|
|
Main
