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Advantage Credit Counseling Service Review

Sunday, July 14th

2024 Credit Counseling Service Reviews

Advantage Credit Counseling Service Review 4 Star Rating

Advantage Credit Counseling Service

4 Star Rating
  • Non-profit credit counseling
  • In service for over 50 years
  • 5 in-person locations in Pennsylvania
  • Over $1.2 billion in debt eliminated
  • Over 400,000 clients counseled
  • Services include free credit counseling, including an online version available 24/7
  • Fee-based services include debt management programs, bankruptcy counseling and education, housing (pre-purchase, foreclosure prevention, reverse mortgage), and credit report review
  • DMP has a one-time setup fee of $50 and monthly fees from $10 to $50 depending on your state
  • "A+" rated and accredited by the BBB
  • Member of NFCC

Advantage Credit Counseling Service (CCS) is a non-profit credit counseling agency that has been assisting individuals in managing their finances since 1968. Their services include educating consumers about debt management, bankruptcy, and proper credit management. Being a 501(c)3 organization, Advantage CCS provides confidential consumer education, credit counseling, and creates effective debt reduction programs for their clients.

Start the process 24/7 online

You can get started with free credit counseling online any time of day or night. You'll click on "Get Started" and enter your name, zip code, state, email address, and desired password. From there, you'll answer some questions about why you're looking for credit counseling: loss/reduction of income, divorce/separation, excessive credit card use, money management challenges, medical issues/disability, death of a family member, gambling, addiction/substance abuse, or other.

More information is better

On the next page, feel free to type any additional information in the free response box. You'll also be asked the year you were born, the number of adults/children in the household, whether or not you plan to include a spouse/partner's income, your own income, and so forth. The more details you provide, the more accurately the system can give you a preliminary determination on your best next steps.

Get a detailed action plan and advice - right away

While CCS definitely focuses on debt management programs, even if you don't qualify you'll still get a comprehensive action plan at the end of the process - all without ever having to speak to a representative. That's amazing.

Debt management program fees can be higher than average

Let's say you do qualify for a debt management program with CCS. You'll pay a one-time enrollment fee of $50 - higher than many competitors' fees, lower than some - and monthly fees ranging from $10 to $50 depending on where you live. We encourage you to read the FAQ on the Debt Management Program page if you'd like more detailed information about how these plans work and what the limitations are.

Best Credit Counseling Services

Most, but not all, types of credit counseling available here

You can also access other services through Advantage CCS. These include pre-filing bankruptcy counseling ($24.95 online, $50 over the phone or in person at one of CCS' five PA locations) and pre-discharge education classes ($25 online), credit report review ($65 individual/$70 couple), and several types of housing counseling (pre-purchase, foreclosure, reverse mortgage). You'll have to look elsewhere if you want credit counseling regarding student loans or post-bankruptcy advice, however.

Solid track record for client success

CCS has racked up decent numbers over its 50+ years in operation: over 400,000 clients counseled, with more than $1.2 billion in debt eliminated. That's not quite as many people served as some of our top credit counseling providers, whose clients number in the millions, but it's not bad either.

Needs more ratings from clients

Still, we would like to see more client feedback from CCS' clients beyond the handful of testimonials on the website. We had a hard time finding more than a few comments around the internet: just 15 reviews left with the Better Business Bureau (where, by the way, CCS has a perfect "A+" rating and accreditation), one review on Trustpilot, nothing on their Facebook page, you get what we're saying.

Good choice for most prospective clients

There are a lot of options for credit counseling, and we don't doubt that Advantage CCS is good at what it does. But is it better than our higher-ranked providers? That's hard to determine without more feedback from clients. The reviews out there are positive, but that's not quite enough to make CCS competitive with rival organizations who have thousands of five-star reviews to go by. Keep Advantage CCS as a backup possibility after you've looked at the top-rated credit counseling services on our list, or if you'd like an all-online first look at your finances and a preliminary set of action steps without having to speak to a credit counselor beforehand.

Where Can You Get the Best Credit Counseling?

Credit counseling services can be incredibly helpful to individuals who are struggling with debt, looking to improve their credit score, or simply need guidance on financial planning. However, with so many options available, it can be difficult to know where to turn for the best counseling services.

One of the primary benefits of credit counseling is that it can provide you with a comprehensive assessment of your financial situation. This assessment takes into account your income, expenses, debts, and assets, and helps identify areas where you may be overspending or under-saving. Based on this assessment, the credit counselor can provide personalized advice to you on how to create a budget that aligns with your financial goals.

The Best Credit Counseling Services Compare Credit Counseling Services Compare Credit Counseling Service Reviews What are the best Credit Counseling Services Best Credit Counseling Service Reviews

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 manage 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.
Compare the Best Reviews

Continued from above...

Another benefit of credit counseling is that it can help you develop a plan to pay off your debts. This plan may involve consolidating debts, negotiating with creditors, or creating a debt repayment plan. By working with a credit counselor, you can develop a debt repayment plan that is tailored to your specific financial situation, which can help you achieve financial freedom more quickly.

In addition to debt repayment, credit counseling can also provide education and resources on how to manage credit and financial products. This education can help you make informed decisions about credit cards, loans, and other financial products, which can improve your credit scores and make it easier to access credit in the future. By learning about the different types of credit products available, you can choose the products that are best suited to your financial goals and needs.

The first step in finding the best credit counseling service is to identify your specific needs. Are you currently dealing with significant credit card debt? Are you looking for guidance on how to improve your credit score? Do you need help with financial planning or budgeting? Depending on your situation, you may need to seek out a credit counseling service that specializes in a particular area of financial counseling.

Once you have a clear understanding of your needs, you can begin your search for the best credit counseling service for you. A good place to start is by checking with non-profit credit counseling organizations, as they typically offer free counseling services and may also be able to direct you to resources that can help you better manage your finances.

There are also a number of for-profit credit counseling services available, many of which offer free consultations to help you determine whether their services are right for you. When considering a for-profit credit counseling service, it's important to do your research and make sure that the organization is reputable and has a solid track record of success.

When evaluating any credit counseling service, be sure to consider these factors as well:

  • Experience and credentials. How long has the service been operating? How many clients have they helped? What kind of certifications does the provider have?
  • Types of service offered. Will you receive basic counseling or in-depth, hands-on help with making a budget and paying down debt? Which services are free and which ones are fee-based?
  • Client feedback. Read reviews and testimonials from previous clients to get a better sense of their effectiveness and customer service. Credit problems are stressful enough on their own, so finding a counseling service that has a good reputation can ease your worries during the process of turning over a new leaf.

Ultimately, the best credit counseling service for you will depend on your individual needs and situation. Top Consumer Reviews has done the hard work of researching all of today's most popular credit counseling providers, making it easy for you to choose the one that will best help you make better financial decisions and achieve your goals.

Compare Credit Counseling Services

Select any 2 Credit Counseling Services to compare them head to head

best-credit-counseling-services
  • Credit.org
  • Money Management International
  • American Consumer Credit Counseling
  • Apprisen
  • Advantage Credit Counseling Service
  • Consolidated Credit
  • DebtWave
  • NFCC
  • GreenPath
Credit.org vs Money Management International Credit.org vs American Consumer Credit Counseling Credit.org vs Apprisen Credit.org vs Advantage Credit Counseling Service Credit.org vs Consolidated Credit Credit.org vs DebtWave Credit.org vs NFCC Credit.org vs GreenPath Money Management International vs American Consumer Credit Counseling Money Management International vs Apprisen Money Management International vs Advantage Credit Counseling Service Money Management International vs Consolidated Credit Money Management International vs DebtWave Money Management International vs NFCC Money Management International vs GreenPath American Consumer Credit Counseling vs Apprisen American Consumer Credit Counseling vs Advantage Credit Counseling Service American Consumer Credit Counseling vs Consolidated Credit American Consumer Credit Counseling vs DebtWave American Consumer Credit Counseling vs NFCC American Consumer Credit Counseling vs GreenPath Apprisen vs Advantage Credit Counseling Service Apprisen vs Consolidated Credit Apprisen vs DebtWave Apprisen vs NFCC Apprisen vs GreenPath Advantage Credit Counseling Service vs Consolidated Credit Advantage Credit Counseling Service vs DebtWave Advantage Credit Counseling Service vs NFCC Advantage Credit Counseling Service vs GreenPath Consolidated Credit vs DebtWave Consolidated Credit vs NFCC Consolidated Credit vs GreenPath DebtWave vs NFCC DebtWave vs GreenPath NFCC vs GreenPath
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