November 21, 2017
 
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3 Keys to Finding the Right Credit Counseling Agency

Does debt have you hung up? Get the help you need today! Credit counseling agencies offer a range of services geared towards your financial success. Finding the right credit counseling company will provide you with the tools and the help you need to get out of debt and stay out of debt. Now that’s good news!

What should you look for in a good credit counseling company? Read this article and learn the 3 R’s for researching the right agency.

1. Reputable

A reputable credit counseling organization is one that is established and well-respected. Check with your local Better Business Bureau and your State Attorney General’s consumer protection office. Look out for agencies listed with complaints. If they are local, find out if you can visit the office in person.  Of course, you could also check out company reviews and ask around for referrals. A companies reputation speaks for itself.

Remember: you don’t need to disclose personal or detailed account information while you are interviewing agencies.  

2. Reliable

A reliable credit counseling agency provides consistent, dependable service and sound advice.  Listen for the questions they ask and the advice they give. Consider the counselor’s knowledge base, experience and attitude. Are they friendly, helpful and forthcoming? Do they communicate effectively and respectfully? Don’t be afraid to ask for their track record or statistics. Get an overview perspective of the different companies by reading testimonials and reviews, but take reviews with a grain of salt. We all know the disgruntled consumer spouts off loosely.

Seek out organizations with certified credit counselors and ask about their employee education and experience levels. Also, find out the company’s privacy policy and whether or not they share your information.

 

3. Resourceful

A resourceful credit counseling company has the knowledge and skill to target the best way to overcome your financial difficulties. One key component to achieving financial freedom through the help of a credit counselor is a debt management plan. A debt management plan is a strategic and direct approach to cutting credit card interest rates and overall debt payout. A resourceful agency will work with you personally to create a tailor made financial plan, not a one size fits all approach.


Christian Credit Counselors is a non-profit organization that was created to help individuals and families regain control of their finances through the use of educational tools, credit counseling and other resources.

 

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