Choosing a Credit Counseling Service

How To Choose a Credit Counselor

Choosing a credit counseling agency is a proof that you're serious about wanting to change your life for the better. Therefore, you want to make sure that the agency you choose truly has your best interest at heart.

There are numerous questions that consumers need to ask as they decide which credit counseling service is best for them.

Here are some of them to ask to help you find the best counselor for you:

• Is the credit-counseling organization not-for-profit? How is it funded? Is it accredited by any outside agencies?
• What training do counselors receive? Are they certified?
• What fees, if any, will I be charged? There are many free counseling programs.
• Will the counselors work with all my creditors, regardless of whether they financially support the organization?
• Consumers might also want to find out if they can be counseled over the phone, or if they prefer, in person.
• They'll also want to ask how their credit rating will be affected by counseling.