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Finance & Spending Blog

What is Non-Profit Credit Counseling

12/11/2017

11 Comments

 
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Have you ever heard of nonprofit credit counseling? If you suffer from debt, then this is a term that you should be familiar with. Why? Well, because non-profit credit counseling agencies can help alleviate your debt. ​
What is Credit Counseling?
Credit counseling agencies provide an array of services that are geared to help you pay off debt and better manage your finances.
The primary objective of credit counseling agencies is to help you gain control of your finances. Credit counseling agencies provide financial services such as budgeting, debt managements, and bankruptcy and mortgage counseling.
When you work with a credit counseling agency, you are placed with a credit counselor who you will work with every week. You and your counselor will formulate a plan based on your budget.
Your counselor will negotiate lower interest rates, lower monthly payments, and can even help with consolidating your loans and credit cards.

What to Look for In a Non-Profit Credit Counseling Service
If you’re considering contacting a credit counseling service, the following are a few things that you should look for:
  • Non-profit Status
  • Certified Counselors
  • State License
  • Accreditation

Above are just a few things that every legitimate credit counseling service should have. When it comes to financial matters, there are always dishonest businesses that are out to prey on vulnerable consumers. Be vigilant and thoroughly research any company before conducting business with them.
​

Conclusion
Living with the burden of debt can be stressful; however, there is help for you. Working with a reputable credit counseling agency can help to make your debt more manageable and bolster your credit score. If you’re using more than 30% of your available credit or have more expenses than income, then it may be time to seek out the help of a credit counseling agency.
​Check out our video on Debt Management & Credit Counseling
11 Comments
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8/9/2018 04:00:10 pm

I have never used a debt counseling service before and would love some insights into what to look for in a service. It helps a lot to know that accreditation is a great quality for this planning service to have. Financial matters are best left in the hands of professionals, so I will be sure to find one that meets this criteria.

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9/5/2021 08:47:13 am

I like that this post shared that when looking to have our credit repaired or improved, it is important that we hire the right company as their professional advice and experience get help us well. My parents mentioned he would like to have their credit repaired. I will definitely help them by hiring a licensed company.

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Amy Shaul
4/28/2022 04:20:33 pm

I am disabled veteran who over the past 2 years had to let my credit go because of health priorities that were not covered by VA or other insurance. Anyways, I ran into some testimonies on some credit blogs on the net which led me to this specialist. My scores were 512, 515, and 523 on the 3 bureaus. No public records, only 3 open acct but several collection accts with 0 balances. After a few weeks of working on my files, all collections were cleared out and my scores were boosted with 260 points. You can reach out as well if you need help: EfficientNetHack on Gmal d0t Com.

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Janet Beavers
5/12/2022 06:01:50 am

My husband works for the government and his security clearance states that he has to have good credit but last year, his credit score started to drop so we needed help. Thank you 'Remoterepair @ Clerk . Com' for proving to be a good credit agent and helping us clear up bad debts thereby improving our credit scores.

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Melinda Henson
5/16/2022 08:27:58 am

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Accredited 501(c)(3) Non-Profit Credit Counseling Agency
17520 West 12 Mile Road Suite 105 Southfield, Michigan 48076
Toll Free: 844-828-2600 // Fax: 248-200-2108 9am-5pm EST
Michigan License No. 0014319

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  • Home
  • Client Login
  • Our Mission
  • Testimonials
  • Debt Relief & Counseling
    • Debt Calculator
    • Interest Calculator
    • Amortization Calculator
    • Loan Calculator
    • APR Calculator
    • Payoff Calculator
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