Rankings ⇾

Best Credit Counseling Services

  1. Credit.org
  2. Consumer Credit
  3. Nfcc
  4. Curadebt
  5. American Debt Enders

Click on any of these items to see their review

Best Credit Counseling Services for November 2020

Our professional reviewers evaluate products and services independently, but Top Consumer Reviews may earn money when you click on the links on our pages. Learn more.


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.

CREDIT.ORG

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.

Read More >

Visit Site >

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.

Read More >

Visit Site >

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.

Read More >

Visit Site >

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.

Read More >

Visit Site >

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.

Read More >

Visit Site >


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.

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!





Latest Reviews

Auto Loans

Babysitters

Christmas Cards

Credit Counseling

DUI Lawyers

Fruit Clubs

Home Brew Beer Supplies

Homeschool Supplies

Music Publishing

Senior Care



Credit Counseling In The News

Credit counseling CEO discusses aid in the time of pandemic

Rebecca Steele is the president and CEO of the National Foundation for Credit Counseling, the largest nonprofit financial counseling organization in the U.S.

Published:  Sun, 22 Nov 2020 07:03:00 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:  Sun, 01 Nov 2020 16:00:00 GMT



Credit repair tips that can help you get out of debt

Should you hire a credit repair company? If your credit score needs a lift and debt is dragging you down, know that creating and committing to a debt payoff strategy can have a positive impact on your ...

Published:  Fri, 20 Nov 2020 07:49:00 GMT



What we all want, no matter how we voted - and how credit unions can deliver

At the beginning of COVID, all we heard was, "We're in this together." But that feeling of togetherness, while somewhat of a mirage from the beginning, hasn't lasted. Many see our country as more ...

Published:  Mon, 23 Nov 2020 23:45:00 GMT



8 Reasons Retirees Still Need Good Credit

It would be nice to think you could let things slide. But, no, you do need to maintain good credit in retirement. It will save you money or hassles in more situations than you may realize. And bad ...

Published:  Sun, 22 Nov 2020 16:00:00 GMT




- View Desktop Site -