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When Is Credit Counseling a Good Idea?

when is credit counseling a good ideaAre your curious about your finances and how you could do more? Maybe you need to get your debts and bills in order and have heard about credit counseling? But when is credit counseling a good idea? Credit counseling is all about education, analysis and creating a plan. Learn more about the benefits of credit counseling.

What Is Credit Counseling?

Credit counseling is a financial service designed to educate consumers. You will learn how to pay off your debts and how to avoid debt in the future. You will also receive an overall financial analysis. Credit counseling helps consumers who are struggling with debt to better control their financial lives.

During a credit counseling session, each expense, interest rate, and other costs are organized and calculated. You will learn how much you earn and spend in a month. Plus, you find out how much you spend in a specific budget category. For instance, you may spend 50% of your budget on housing related costs rather than the recommended financial community guideline is 30%. Similarly, you may learn how much debt you are truly carrying. Some simply need help tweaking their budget to achieve their financial goals.

When Is Credit Counseling a Good Idea?

Are you having trouble managing your debts? Not sure how to budget? Do you want to learn how to improve your credit score? All these questions and more can be answered during credit counseling. The counseling sessions are there to help you achieve your goals and answer your questions. Whether you are in hot financial water or just want to see if you have things balanced, a credit counseling session could be very useful.

A non-profit credit counseling agency, like ACCC, will review all the outcomes and ways forward. Between debt management plans, bankruptcy, student loan management or simple budgeting adjustments, you can be more financially literate and prepared to move forward.

Credit consulting services can be helpful to nearly everyone if you need financial clarity and direction. Certified credit counselors will walk you through your current finances and make recommendations.

To learn more about your finances and money management, call ACCC today at 800-769-3571 to speak with a certified credit counselor. 

ABOUT AUTHOR / Michelle

Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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