Credit Counseling Guide

Credit Counseling Services Section


Credit Counseling Services Navigation

Main Home Page
Tell A Friend about us
Free Credit Counseling |
Non Profit Credit Counseling |
Credit Counseling Service |
Family Credit Counseling |
Hummingbird Credit Counseling |
American Consumer Credit Counseling |
Free Credit Counseling |
Credit Counseling And Debt Consolidation |
Credit Counseling Services |
Credit Counseling |

List of Credit-Counseling Articles

Credit Counseling Services Best seller

Buy it Now!

Best Credit Counseling Services Products

"Legit Online Jobs" - Click Here To Start Earning Today!

Ovation Credit Services
Check out Ovation Credit Services ... Fix your credit profile today! Ovation specializes in credit report repair. This is an awesome program. They get fantastic results and you'll be amazed at the low monthly fee. Highly recommended!

"How To Get A Mortgage"
Terrific resource on obtaining a mortgage, even if you've been foreclosed or filed bankruptcy. On sale now for only $10.00!

Click Here!

Loan Officer 101 Loan Officer Training. Learn How To Make $100,000 Per Year As A Loan Officer With This 18-lesson Training Program, Complete With 28 Marketing Ideas - Now Is The Time To Prepare For The Next Wave Of Lending!

Click Here!

Personal Loans & Visa Approved At Abacus
Offering Personal Loans, Credit Cards For The Credit Impaired.

Click Here!

Mortgage Secrets For Investors
Mortgage Secrets For Real Estate Investors E-book. Stop Getting Bullied By The Banks And Start Closing Your Investor Loans!

Click Here!

Bad Credit Personal Loans Regardless Of Bad Credit - Up To $25,000
Click Here!


Social bookmarking
You like it? Share it!
socialize it


Subscribe to our newsletter AND receive our exclusive Special Report on Credit-Counseling
First Name:

Main Credit Counseling Services sponsors


Newest Best Sellers


Welcome to Credit Counseling Guide


Credit Counseling Services Article

Thumbnail example

Find Out More about Credit Counseling Services

It is a fact of life that bills have to be paid, and as responsible financial creatures, it is always best that we pay our bills on time. If you are one of the millions of people who have a hard time paying their bills on time, then credit counseling services may be just the thing for you.

Credit counseling services will help you negotiate with your creditors to get lower interest rates and more affordable repayment plans.

The credit counselor that is assigned to your case will determine which solution is best for your situation, whether it be a debt consolidation program or a debt management plan. An advantage of credit counseling services is that you only have to pay a single payment every month, and they will do the work of forwarding your payments to all your creditors. In this way, you will be able to pay on time and avoid late payments.

Plus, you are given the opportunity to pay lower interest rate. Managing a single debt instead of several debts at the same time is definitely a more manageable approach.

The fees for credit counseling services are often paid by the creditors. And it has been long debated whether or not these services are just there to ensure the collection of debt repayments.

Because of the many credit counseling services available, it is vital that you do a research on the type of services they offer before actually signing up for one. Research can be done through the internet on message boards and websites. The feedback that you get from these forums is mostly first-hand experiences which you can learn a lot from. Checking with the Better Business Bureau is also one way to ensure that you are working with a legitimate company.

You must also be careful about the companies that ask for high fees upfront with their promise of making you pay less than what you actually owe. This is just too good to be true, and it is most likely a scam. Accreditation is also important for credit counseling services.

Credit counseling services will definitely hurt your credit score. So, if you are the type of person who is able to pay your bills on time and you are not constantly harassed by creditors, then don’t get tempted by the lowered interest rates offered by these services. Only avail of credit counseling services when you are heavily in debt.

It is also good to consider the elimination of your debt, with the last option being to file for bankruptcy.