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We sincerely hope that these ten tips will help you to decide if a credit counseling service is right for you and, if so, to help you find a good counseling agency that meets your specific needs.
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First things first, look for an agency that is non-profit and accredited with either the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies.
Of course, you will want to stick with major credit card companies in order to be safe, but many times you’ll be able to find credit cards that will allow you to start your way to better credit.
Kay Worden, a certified financial counselor with Consumer Credit Counseling Service, a credit counseling network agency, says that kind of increase is a huge red flag.
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