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How do I decide which credit counseling agency is right for me?

Finding the right credit counseling agency can help you improve your financial situation by eliminating debt, preparing a budget and preparing to build wealth. The expertise of your credit counselor can determine the overall quality of your counseling experience. Finding the right credit counseling agency is crucial for helping you get back on the right track.

There are a few things to look for when deciding which credit counseling agency is right for you. Some of the things you may want to consider include:

  • Does the agency have a satisfactory rating with the Better Business Bureau? Are all of the credit counselors certified to provide credit counseling?

  • Does the agency also offer related services? Examples of services can include housing counseling, career coaching and volunteer income tax assistance.

  •  Is there a fee for my initial counseling session? If so, how much is it?

  • Does the agency offer face-to-face counseling, or is it only by telephone?

  • Is the agency partnered with reputable organizations or members of service associations?

The best credit counseling agencies are able to discuss multiple strategies for a variety of financial needs. They can help you determine ways to tackle a number of financial situations so that you can begin moving forward. Your credit counselor should help provide the information you need to make good financial decisions. They may even have some useful tools to help.

You also want to be aware of warning signs. These can include PO boxes instead of street addresses. Some agencies may aggressively push you toward a particular option without offering other options. Some counselors may require substantial fees before they will help. If there are bad experiences documented with the Better Business Bureau, then you may wish to consider seeking the help of a different credit counseling agency.

Last but not least, consider getting advice from more than just one credit counseling agency. You may find that one agency offers a better service or has lower fees than another agency.

Personal Financial Network has maintained a satisfactory rating with the Better Business Bureau since 2002 and has been an active member of the Greater Raleigh Chamber of Commerce. Our organization offers free counseling services, and our counselors are accredited as credit counselors, financial counselors, credit report reviewers and homeownership counselors. You will find that our counselors are among the most highly trained that you can find.

If you would like more information about our counseling programs or simply need a second opinion for another program you are considering, feel free to contact us at (866) 406-4132. We will be happy to help you decide which credit counseling agency is right for you as well as to discuss potential courses of action with you.

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Call us toll free at: (866) 406-4132   -   debtfree@pfni.net

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