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The Best Credit Counseling Services

The 5 Best Credit Counseling Services

Where Can You Find the Best Credit Counseling?

In order to answer that question, you'll first need to have an idea of what kind of help you need.

Are you looking for basic advice on how to improve your credit score, qualify for a mortgage, or identify the best student loans? Or are you already in a sticky situation and hoping to find a path that lets you reduce or eliminate some of your credit card debt, consolidate loans, or get tax debt relief from the IRS? All of those efforts can be found with credit counseling services - but many providers only specialize in one or two particular areas.

Monday, October 18th

2021 Credit Counseling Service Reviews

Credit.org Review Top Consumer Reviews Best-In-Class Blue Ribbon Award 5 Star Rating

Credit.org

5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

Credit.org should be your first stop when looking for credit counseling you can trust. Almost all of their services are free of charge, and even the ones that are fee-based are extremely affordable. You'll find help for everything from student loans to buying a home for the first time, both through Credit.org's counselors and their informative website. This nonprofit organization has an excellent reputation spanning almost 50 years, and we confidently recommend Credit.org as our top provider of credit counseling.

Consumer Credit Review 4.5 Star Rating

Consumer Credit

4.5 Star Rating

The credit counseling services offered by ACCC (American Consumer Credit Counseling) are thorough, cover a wide range of topics, and are almost entirely free of charge. While some of their specific programs may come with a nominal fee, such as debt management or consolidation, you won't pay anything to work with a credit counselor to analyze your situation and get an accurate list of to-dos to move you closer to your goals: being debt-free, paying off credit cards, and so on. Consumer Credit is extremely trustworthy and offers many resources directly on their website, even before you work with a counselor. ACCC is one of our top providers of credit counseling today.

NFCC Review 4 Star Rating

NFCC

4 Star Rating

NFCC is the biggest, longest-running credit counseling nonprofit organization in the US. They serve as a clearinghouse for vetting other nonprofits that provide credit help, and so they can connect you with a reputable service in your area. Although the NFCC doesn't provide credit counseling themselves, their website offers numerous resources to help you understand the process and to be well-informed even before you're matched with one of their partner organizations.

CuraDebt Review 3.5 Star Rating

CuraDebt

3.5 Star Rating

CuraDebt has a solid reputation for offering credit counseling in the form of debt relief services: consolidation, payment plans with the IRS, and so forth. If that's the kind of help you need, this service is definitely worth considering. However, there are two dozen states where their services aren't available, and you won't find some of the additional resources offered by providers who specialize in credit counseling of all types.

American Debt Enders Review 3 Star Rating

American Debt Enders

3 Star Rating

American Debt Enders has been around for over a decade, aiming to help people like you to have a life free of debt. You're not going to be blown away by their less-than-cutting-edge website, but if you look hard enough you'll find lots of free resources for credit counseling. However, if you want related services like debt consolidation, ADE only works as a middleman, so you'll wind up being referred to a partner provider.

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Continued from above...

Understanding credit can be confusing, and just a few unwise or desperate decisions can lead you downhill fast. It's a horrible feeling when you start getting "past due" notices or phone calls from collections agencies - and even more gut-wrenching to learn that your mortgage is going into foreclosure. Unfortunately, more and more Americans are finding themselves in all of those situations as the economy struggles.

The good news is that there is help available - and often at little or no cost to you. Some credit counseling services are strictly non-profit and can give you as much guidance as you may need, as well as connect you with resources you can use to get your house in order, literally. Other providers, particularly those who focus on debt consolidation and other relief strategies, usually give you an initial consultation for free; you'll only be charged a fee if you use their services, which generally comes out as a percentage of the money they save you by reducing interest rates and negotiating lower amounts owed with your creditors.

As you can see, no two credit counseling providers are equal. Which one is right for you? Here are several factors to consider as you evaluate the options:

  • Services Offered. Can you get basic counseling that allows you to implement any suggested strategies on your own timeframe and preference? Does the organization or company present multiple options, or do they focus mostly on one or two avenues for improving your financial outlook?
  • Reputation. What do clients have to say about their experiences when working with representatives from a given credit counseling service? Has the provider been rated by the Better Business Bureau or another trustworthy third party?
  • Ease of Use. If you're already feeling some anxiety about your finances, you want things to go as smoothly as possible from the start. Take a look at the credit counseling provider's website. Does it inspire confidence? Do you feel reassured that there is a path available for you? Can you find the information you're looking for?

TopConsumerReviews.com has reviewed and ranked the best credit counseling services available today. We hope this information helps you find the right advice for your financial situation!

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Credit Counseling Service FAQ

Credit counseling is a broad term used to refer to any advice or assistance regarding consumer credit. This could be a database of articles about topics like student loans or credit scores, programs designed to work with creditors to consolidate your debt, or even one-on-one guidance from an experienced advisor.
That depends on where you go for services. Some programs do an in-depth analysis of your financial situation and help you remove negative entries on your credit history or negotiate with creditors to reduce your debt. Others provide advice about getting the best student loans or qualifying for a first-time mortgage. The spectrum of services included in credit counseling is broad: there's something for everyone!
According to the National Foundation for Credit Counseling, more than a million consumers take advantage of counseling every year. And, with so many Americans struggling with debts, unsure how to improve their credit scores, and questioning where to turn for the best advice, many millions more should be using credit counseling programs!
Many times, they're free! There are a lot of services whose programs come at no cost to you - and even the ones with nominal fees are usually very affordable when you consider the benefits of reducing your debt and improving your credit score.
For some programs, yes: you might need to have a certain minimum amount of debt (like $5,000). But, there are many credit counseling services where the only requirement is that you're interested in working with them to become better-educated and to get control of your finances.
The more thorough you are with your credit counselor, the more accurate the advice they'll be able to provide. Some documentation that can help them have the clearest picture would include your credit card statements, pay stubs from your employer, bank statements, and any notices you may have gotten from bill collectors or creditors.
Absolutely. Some credit counseling services have a history that spans decades, helping millions of people to understand how to make better decisions with their money. Of course, it's always a good idea to see what other consumers have to say before choosing which credit counseling provider to use. The Better Business Bureau is a solid resource for determining a credit counseling service's reputation and overall standing too.

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The Best Reviews of Credit Counseling Services