The honest truth is that sometimes you need credit counseling. The question is – how do you go about getting it?
We all do our best to pay bills on time and try to get out from under any debts that we might have. However, even when we do our very best to do just that, it doesn’t work as we hope.
Situations may arise which cause us to go further into debt. These can include job loss, medical issues or other financial situations we did not plan on having come our way.
The thing is, if you can’t pay your bills or struggle financially it does not make you a bad person. Not in the slightest.
There comes a time when you may need more help. Not just any help. Professional help. But, you may not have any idea where you need to turn. Who can you trust?
I’ll be honest and say that there are many companies you can not (and should not trust). In fact, I would only ever use those which are accredited by the NFCC (who the government recommended for credit counseling). One company you should definitely consider is ClearPoint.
They offer a lot of services, including Credit Counseling. If you are new to asking for help, ClearPoint is able to help residents in all 50 states. They can do so either online or via telephone (which ever works best for you)!
They actually offer a FREE Credit Counseling service. This involves:
- Completely free review of your monthly finances/budget with an objective credit counselor.
- Free FICO score.
- Free review of your credit report with a counselor.
- The opportunity to discuss your goals and even create an action plan to help you save/make more money every month.
Not only do they assist with credit counseling, they also offer a Debt Management Program. This program is geared towards people how may have higher credit card debt totals. They work to try to reduce your interest rates and assist in a establishing a structured payment program. You should do some research before signing up, but it may be better for your credit score when compared to other options such as debt settlement or consolidation.
If you find you are still struggling to get out from under your debt, this might be the perfect solution for you. Of course, when it comes to your financial situation, make sure you do your homework before signing up with any agency — you need to know what you are getting into before you sign up.
This was a sponsored post on behalf of ClearPoint. All opinions are my own and were not influenced by any parties.