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      September 26, 2020

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  2. NFCC
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  4. American Debt Enders

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Best Credit Counseling Services Better Business Bureau Reliability Seal

Start Your Credit Counseling with Credit.org Today! 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.

Continue reading below reviews

Best Reviews


2020

Credit Counseling Reviews

5 stars
Credit.org

CREDIT.ORGTopConsumerReviews.com 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.

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4.5 stars
Consumer Credit

CONSUMER CREDIT

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.

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4 stars
NFCC

NFCC

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.

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3.5 stars
CuraDebt

CURADEBT

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.

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3 stars
American Debt Enders

AMERICAN DEBT ENDERS

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!

How credit counseling works and when you could benefit from it

credit counseling provides objective advice and resources to help you get your finances back on track. Credit counseling organizations offer a range of services, classes and programs around topics ...

Published:  Sun, 30 Aug 2020 15:14:00 GMT



Is Credit Card Relief Little Help? Check Out Debt Management

If you've been denied COVID-19 assistance for your credit cards or offered terms that are not sustainable, credit counseling may get your finances on track.

Published:  Wed, 23 Sep 2020 04:49:00 GMT



Finding Credible Credit Counseling

With all the hype about credit counseling/debt management companies, are there some that are actually good, and how does one go about finding the good ones? There are some great credit counseling ...

Published:  Wed, 26 Aug 2020 17:00:00 GMT



When Debt Relief Does More Harm Than Good

Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined. Before you hit a moment of crisis decision-making, understand how to think ...

Published:  Fri, 04 Sep 2020 06:45:00 GMT



National Foundation for Credit Counseling (NFCC)

What Is the National Foundation for Credit Counseling (NFCC)? The National Foundation for Credit Counseling (NFCC) is a national network of non-profit credit counseling organizations. One of the ...

Published:  Fri, 11 Sep 2020 17:00:00 GMT



Are you financially stressed right now? What to know about options, from debt negotiation to bankruptcy

Many credit counseling companies and nonprofit agencies provide budgeting and other financial education help to consumers in need, for free. Many of these entities also enroll struggling ...

Published:  Sat, 12 Sep 2020 05:34:00 GMT



Take Charge America Offering Free One-On-One Housing Counseling During October

In response to ongoing economic impacts of COVID-19, Phoenix-based Take Charge America has made its one-on-one housing counseling services free through the end of October. "Whether facing eviction, ...

Published:  Mon, 21 Sep 2020 10:19:00 GMT



What You Need to Know About Canceling Credit Cards

About Take Charge America, Inc. Founded in 1987, Take Charge America, Inc. is a nonprofit agency offering financial education and counseling services including credit counseling, debt management ...

Published:  Wed, 09 Sep 2020 11:38:00 GMT



Need a Loan? How a Low Income Credit Union Can Help

Banks can be unaffordable unless you can meet the often prohibitively high monthly balance to avoid service fees. But the alternative for many ends up being even more expensive - ...

Published:  Thu, 24 Sep 2020 07:00:00 GMT



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