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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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What is Consumer Credit Counseling?

credit counselingWhen you need help getting out of debt, you might start to reach out to many different types of debt relief, and each one may sound promising. However, finding a credit counseling agency should be based on specific criteria that makes it both legitimate and credible. This is crucial to the debt relief process.

What is Credit Counseling and How Does it Work?

When you contact an agency such as American Consumer Credit Counseling, a professionally trained and certified counselor will help you evaluate:

  • Your current financial situation.
  • Provide you with a detailed review of your income, assets, and expenses.
  • Provide personalized options based on your goals, which may include social service referrals, educational materials & resources, and a Debt Management Plan.

What to Look for in a Credit Counseling Agency

Choosing an agency is a large portion of the debt relief process. The following video explains what you need to keep an eye out for in an agency.

Does Credit Counseling Hurt Your Credit Score?

Simply speaking with a counselor for a consultation has no affect on your score. As a result of your counseling session, a debt management plan might be the best choice to get out of debt. However, certain steps within a plan could have an impact on your credit score in the short run. These steps might involve closing your credit accounts that in turn can hurt your score. Keep in mind that your score will come back up over time with positive credit behaviors.

If you are drowning in debt and in need of credit counseling help, speak with a certified credit counselor at ACCC by calling 800-769-3571.

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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