June 13, 2014

IDing a Good Credit Counselor

If you’re reading this, you’re probably concerned about your financial situation.  You want to take control of your life, get out of debt and develop better spending habits in the future.  But you can’t always do all of this by yourself.  You may need a credit counselor’s help.  If you’re thinking about getting a credit counselor, here are a few things to keep in mind.

Services they Provide

Different credit counselors specialize in different things.  Some might be more interested in improving your credit score while others will focus on eliminating debt.  Some might want to make sure you walk away with a better idea of your spending priorities.  So you need to think about what exactly it is you need to do most and then go with the credit counselor who gives you that service.

Number crunching

If your main aim is to get out of debt, you’ll need to make sure that you get the lowest possible interest rate and the lowest possible monthly payment.  Of course, you don’t want to end up paying off your debt for the rest of your life either.  So you should also consider how long it’s going to take you in the plan set up for you by your credit counselor.  At Christian Credit Counseling, we try to give you a low interest rate and a low monthly payment while still allowing you to pay off your debt fast.

Their Approachability

A lot of people feel a little ashamed about the fact that they’ve gotten into debt.  In addition to this, you don’t need someone else judging you.  If you feel uncomfortable with the counselor working with you, then don’t choose them.  Make sure that they’re approachable.  You should be able to speak to them about whatever is on your mind.

Who Recommended Them

If the credit counselor has been recommended to you by a friend, they’re probably trustworthy.  You might want to sit down with your friend and get the details of their experience just to make sure that your situations are similar.  You can also read through online reviews which will give you a lot of information about the counselor, what they aim for and how they interact with people.

Do you want to know more about debt and how you can make smart financial decisions now that will help you secure a more prosperous financial future? Sign up for our newsletter for monthly money tips.

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