Helping you find a Credit Counseling Service.
With an ever increasing debt load, many people are beginning to take advantage of credit counseling services to help get their debt under control.
Credit counseling services help you have a better understanding of credit management. They will help you by developing a plan to repay your current debt and restructure it in a way that is affordable. With one convenient monthly payment to the credit counseling agency, your money is then dispersed to all your creditors in a timely fashion.
Benefits of Credit Counseling:
- Reduce or waive finance charges on credit cards
- Debt management advice from experts
- Bills consolidated into one monthly payment.
What does credit counseling cost?
Credit Counseling typically has two types of costs associated with it:
- Enrollment Fee:
This is an initial fee that starts the credit counseling process. It is usually a one time fee of $50 (or less) or your monthly debt management payment as the enrollment fee. - Monthly Maintenance Fee:
This is an ongoing fee charged by the agency for its services offered to you. This is usually a flat fee or a percentage of your monthly debt payment. It is typically based on the number of credit cards involved times $3 to $7 per card.
When searching for a quality credit counseling agency, it is a good idea to ask several questions. If you don’t like the answers you receive, keep contacting other agencies until you find the one that is right for you.
Latest Credit Counseling News
March 19, 2007
Your payment history, which makes up the largest portion of your credit score, looks at how consistently you pay your bills on time. The amount of debt you have is of equal importance. The length of time you’ve had your credit cards and how much new credit you apply for all play a role in determining your credit score.
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