Choosing a Credit Counseling Company

If you have considered credit counseling as an option to your financial problems, then you are probably wondering how to choose from one of the many credit counseling companies that are popping up left and right these days. There really is not an easy answer to this dilemma but there are some things that you can look for in a credit counseling company that might make the decision a little easier.

One factor to consider is whether it's going to cost you anything to pursue credit counseling. If you are having financial difficulties in the first place, then chances are that you don't really have the expendable cash to pay for the credit counseling you so desperately need. In this instance, rest assured that there are reputable, non-profit, credit counseling companies that will assist you for free. On the other hand, if you are of the philosophy that you get what you pay for, then you may want to consider a fee based credit counseling company.

Your best bet, when deciding which credit counseling company to turn to in your time of need, is to find one that will provide you with a custom fit. Every situation, requiring credit counseling, is unique. If you are subjected to a cookie cutter financial plan when your personal situation is much more complex than the average consumer, you may come up short and rule out credit counseling as an option.

Most importantly, you don't want to end up in the same boat you are in now, after you have gone through credit counseling. You want to make sure that the credit counseling company that you choose is going to offer you educational services. It isn't going to do you any good to get out of debt if the credit counseling doesn't teach you how to manage your money so that you don't come knocking on debt's door again.

Timothy Gorman is a successful webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, bankruptcy and free credit counseling information that you can research in your pajamas on his website.

---

Shoppers Beware - Tis The Season

It's the number one complaint from consumers and it only... Read More

Credit and Its Cost

What is Credit? Credit is money granted by a lender... Read More

To Repair Credit Is No longer Satisfactory - Learn How To Earn A Millionaires Credit In 30 Days...

To repair your bad credit does not necessarily mean that... Read More

The Top 5 Secrets to Managing Your Credit Cards?So They Won?t Manage You

You've probably never heard of Frank X. McNamara, but he... Read More

Establishing Credit ? What You Need To Know Part 2

In my previous article "Establishing Credit ? What You Need... Read More

Bad Checks, Bounced Checks, & NSF Checks

Negotiable instruments like checks and drafts have become an indispensable... Read More

Credit cards

If gold medals were awarded for marketing consistency, the credit... Read More

The Exact Action To Take When You Find Errors In Your Credit Report

There are times when you may be turned down for... Read More

Credit Counseling Basics

Credit counseling is an option you might want to consider... Read More

Check Your Credit Before Shopping For That Home Loan

Review Your Credit Score.Nearly every bank, credit union, and mortgage... Read More

How To Get Out Of Credit Card Debt

If you're like the average person, let me warn you... Read More

Credit Card Companies Are Out for Your Money

You're probably thinking "Tell me something I don't know" but... Read More

A Debt Mentality

While working through my own debt situation, and helping others... Read More

Understanding Your Rights Under The Equal Credit Opportunity Act

It wasn't all that long ago that lenders blatantly discriminated... Read More

Secured Credit Cards- Consumer Tips

Whether you have no credit or damaged credit, secured credit... Read More

Top 5 Reasons To Check Your Credit Report Regularly

#1 Make sure mistakes aren't hurting your credit.Reviewing your credit... Read More

Your Credit Score

Credit scores: all lenders use credit scores to determine interest... Read More

Free Credit Report ? Watch Out for Scams

Many people may still not be aware of an amendment... Read More

7 Compelling Reasons Why A Prepaid Debit Card May Be Just The Financial Tool You Need

Prepaid debit cards are great financial tools and may be... Read More

It Is In Your Best Interest To Do The Math On Your Credit Card Interest

If you begin foaming at the mouth once a month... Read More

Understanding Your Credit Score

When you apply for credit one of the first things... Read More

Credit Score: The Brightest Feather In Your Financial Cap

Credit scores are the most important aspect that determines your... Read More

Dont Dig Your Own Pit

If you want to enjoy your life out of spending,... Read More

Credit Reports: Find out why you have been refused Credit.

You may already have 2 or more credit cards in... Read More

14 Common Credit Mistakes

Establishing credit and wisely managing your credit becomes easier when... Read More

Useful Tips When Choosing Credit Cards

Chances are you have received your share of "pre-approved" credit... Read More

What Does Your Credit Score Tell You?

When you apply for a loan or a mortgage, the... Read More

Credit Cards: Pros and Cons

Sure, there are a lot of problems with credit cards,... Read More

Looking for that Low interest Credit Card?

If you have been shopping around for a Low Interest... Read More

Reward Credit Cards: Get the Best Rewards Card Incentive Program

A good credit reward card can contribute to your retirement... Read More

Learn How to Improve Your Credit Score

Having a damaging credit record can hurt you in many... Read More

5 Surefire Ways To Eliminate Credit Card Debt

Do you have enormous credit card debt? You are certainly... Read More

Various Types of Credit Cards - Part 2

Several different types of credit cards offer several different options,... Read More