4 Signs of a Good Credit Counselor
People take their money very seriously. Once they realize that they are in a debt problem, they will do just about anything to get out of debt. If they realize they can't do it on their own, people often want to seek the advice of a credit counselor, but it is hard to know
what to look for in a good credit counselor. Here are 4 signs of a good credit counselor that should help you in your decision
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- Competitive rates and no hidden fees
- Bad Credit OK
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- Quick Application with worthwhile results
If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.
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Helpful Loan Tips:
- Apply with more than one company to compare offers.
- Study your options before committing to a debt program.
- Cut out small luxuries to pay down debt at the beginning of your debt reduction program.
Free or Cheap
Good credit counselors are not going to charge you huge fees for their services. Most of the better credit counselors are from non profit organizations and they are normally free. If you find that you are being charged monthly for their services or that there are hidden fees in the check you write to pay off your debt each month, find a new credit counselor.
More than just a check
Many credit counseling and debt consolidation companies just take your money and pay your debts, end of question. A good credit counselor does just that; they counsel. They help you devise a plan that tells you how and where to spend your money; they essentially put you on a budget. If you need more counseling, a good credit counselor will give it to you.
Advise you to close your cards
This is a big one. Many credit companies help people pay off their debts, but don't advise them to close their credit cards or other forms of credit. This is important; if you want to stay out of debt; those cards need to be a closed. A good credit counselor will make sure you close them and set you up on a budget, so you don't need new credit cards.
Timelines
A good credit counselor will give you a timeline to pay off your debts. Every month you should receive a statement saying how much you paid, where it went and how much more you owe. If you are not getting this and you are just paying blind amounts of money, demand a statement. A good credit counselor will give keep you up to date on your progress.
Our Recommended Debt
Consolidation Companies:
Top Recommended Companies To Refinance With:
(updated ):
Act Now! Lower your monthly mortgage payment!
- Competitive rates and no hidden fees
- Bad Credit OK
- New Purchases, Home Equity & Refinance
- One dedicated mortgage banker from first call to closing
- Quick Application with worthwhile results
If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.
Mortgage rates are still low. Refinance & Lower Your Payment!
- Get Started on a Lower Payment Now!
- America's #1 Online Lender
- Save More and Spend Less!
- No Obligation and Free Expert Advice Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.
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