The Importance of Credit Counseling

Credit counseling involves a one-on-one consultation with a credit expert; a person who understands and can explain the complexities involved in a person’s credit score.  While some people get credit counseling before applying for a credit card or a loan, many others do not.  While this is an individual decision that must be left to […]

Will Credit Counseling Hurt My Credit Score?

Credit counseling is just one option for those who are struggling with debt problems and credit issues to find relief and a light at the end of the financial tunnel. However, many consumers will shy away from getting the help credit counseling offers because they fear the process will ruin their credit score. This is […]

Debt Settlement Versus Credit Counseling

The options for dealing with debt problems are multiple but not every solution makes sense for all consumers. In order to eliminate debt and rebuild your credit history, you have to carefully evaluation which debt relief solution will work with your financial situation and needs. Two of the popular choices for debt help include debt […]

Novadebt Review

With so many families struggling with more debt than they can afford to pay, financial counseling businesses and nonprofit organizations have seen a surge in consumer requests for help. Novadebt is a New Jersey based nonprofit organization founded in 1991, and provides credit and financial counseling services to consumers in need. What is Novadebt? Novadebt […]

Consumers Need to Boost Their Financial Literacy

Time and again, research has shown that the average American consumer lacks the basic essentials of financial knowledge. It is one of the reasons that so many consumers have faced such harsh financial struggles in the last decade. Financial companies and lenders are making it harder for consumers to go through basic transactions. Complicated terminology […]

What To Expect From Your First Credit Counseling Meeting

If you are getting prepared for your first credit counseling meeting, you might be worried about what to expect and feel some hesitation about having to admit your need of third-party help. You are not alone. There are many people who have decided to get help before it was too late. Getting your finances back […]

Review of

With so many people in debt – either from poor financial management or the recession – digging your way out debt is a major undertaking. has been providing debt relief for over 10 years.  Their focus is on debt settlement and debt consolidation.  Here is what they offer that they claim makes them unique:  “Your support team […]

8 Questions to Ask a Credit Counseling Agency

When you are trapped under the heavy weight of debt, credit counseling agencies can be a way to avoid bankruptcy and eliminate debt in a more efficient way than if you were to handle it all on your own. While any consumer has the power to negotiate balance payoffs, many would benefit from the additional […]

How To Get Debt Free With Credit Counseling

When you find yourself swimming in debt, it can be hard to know who to trust and where to turn.  With so many companies offering so many different programs to help you eliminate your debt, how will you know which one to work with? Start by conducting a search for Consumer Credit Counselors that are […]