FAQ

Credit counseling can be a big commitment for many people, so it's best to know everything about the process before jumping in. We know you may still have questions about credit counseling and our service, which is why we've included this helpful Frequently Asked Questions section. Here you'll find some of the most common questions we receive and the answers to them!

Is credit counseling the right choice for me?

Do you have difficulty making your monthly credit card or loan payments? Have you accumulated more debt than you can reasonably manage? Then credit counseling may be right for you. Some of the typical credit counseling and credit repair benefits include improved interest rates, custom payment plans, and a negotiated amount of total debt.

How can I get started?

If you're ready to start repairing your credit, sign up for our free matching service now! In just a few minutes, we can provide you with free quotes to some of the best credit counseling agencies in the nation!

Are you a credit counselor?

Although we do not repair credit, we work closely with some of the top credit counseling agencies in the country. We know our service can help you find the best program for your needs!

How long will it take to repair my credit?

Since each individual's financial situation is different, it's difficult to estimate just how long it will take to complete your credit repair. However, the credit counseling agencies in our network are known for their fantastic work and they'll do whatever it takes to finish your credit repair quickly.

Is there any charge for using your service?

Unlike other companies, there are no charges or commitments for using our matching service!

Will I need to cancel my credit cards?

In many cases, your credit counseling agency will recommend that you close most of your credit card accounts. It all depends on your unique financial situation and you could even end up keeping them all, as closing accounts does lower your overall credit history.

Why not just declare bankruptcy?

Unfortunately, bankruptcy isn't the one-size-fits-all solution many people make it out to be. For many people, declaring bankruptcy will force you to sell off assets and could permanently damage your credit score. On the other hand, credit counseling gives you the opportunity to increase your credit score and eventually get debt free.

Is my information protected online?

Thanks to advances in security, you can feel confident that your information is safe repairing credit online.