We live in the information age, and sometimes too much information can be overwhelming. When searching for a credit counselor you may find conflicting information, or you might be unsure where to even start.
Let’s look at some of the more important things to keep in mind when choosing a credit counselor.
Certification is a Must
You wouldn’t let just anybody hang onto your checkbook or wallet, and the same rule applies here. You shouldn’t let uncredentialed counselors give you financial advice or attempt to speak on your behalf. You want to improve your situation, not risk making things worse!
Only speak with certified credit counselors about your situation and avoid giving out information to anyone not meeting your standards or expectations.
Know What You Are Looking For
If you are already looking for a counselor, chances are you have some idea of what types of credit counseling services you are looking for. Even so, it helps to know what specific areas you need help in so that you can find the fit that is right for you. Make a list of your financial goals and the problems you are currently facing when trying to meet those goals. This will help you understand the services and recommendations the counselor will be offering. Don’t get caught off-guard by smooth talk and fancy language.
Keep it simple and address the issues that concern you.
Choose Nonprofit Credit Counselors
Don’t get caught in the trap of for-profit agencies.
They are only in business for one reason: to make as much profit as possible. They do not have your best interest in mind and are often incentivized to offer you products or services that do not fit your needs. Counselors at a nonprofit agency like CreditGUARD are required to meet the needs of their clients.
Don’t Rush the First Session
Your first session with a credit counselor is one of the most important you will have. It will be crucial to finding a common understanding about what it will take moving forward to begin getting out of debt. You will need to set aside enough time to cover all your debt problems and discuss the different solutions the counselor can offer.
If you are in a hurry or distracted, you may miss something important that could have an impact on your finances later. Be sure to have your files ready and be prepared to discuss your financial situation at length until you are satisfied all your questions have been answered.
It’s Not Too Late to Call CreditGUARD
If you have spoken to a counselor before and not been pleased with the results, don’t let that keep you from getting your debt under control! CreditGUARD is a nonprofit organization with certified credit counselors. They are here to help and will take all the time you need to discuss your situation at your convenience. Whether you are looking for credit counseling or other debt management services, give our certified counselors a call today!