Category:
Credit Counseling

Cartoon standing with a credit card with bandage representing credit repair.

Does Credit Repair Work?

By Sarah Brady | February 21, 2025

“Credit repair” probably sounds like it should be something helpful, right? After all, what could be wrong with wanting to repair your credit? But when it comes to financial services…

Couple with tablet for credit score.

Marriage and Credit Scores

By Pat McManamon | December 18, 2024

Getting married will not affect your credit score. When you say, “I do!” in exchanging wedding vows, you don’t mean exchanging credit scores. “When you get married, you have two…

Person running from exploding percentage bomb representing avoiding credit card interest

How To Avoid Interest on Credit Cards

By Sarah Brady | September 17, 2024

Dealing with credit card debt has always been tough, but getting out of debt is harder now than it’s ever been. That’s because the average interest rates on credit cards…

College graduates throwing their caps in the air

Credit Counseling for College Graduates

By George Morris | June 18, 2020

Things change after college. Your new boss won’t be as lenient as your old professor. Instead of a GPA your new obsession becomes your credit score. Rent may double or…

What Happens During a Credit Counseling Session

What Happens During a Credit Counseling Session?

By Joey Johnston | June 15, 2020

Millions of Americans living paycheck to paycheck are familiar with that sinking feeling of being unable to get out of debt and keep up with bills. If you’re one of…

Where are all the good credit counselors?

Finding a Reputable Credit Counselor

By Joey Johnston | February 10, 2020

Credit counseling is a vastly under-tapped resource for people crippled by debt. A credit counselor’s goal is to educate consumers about the cause of their debt and offer solutions that…

Learn the details of credit counseling

Does Credit Counseling Work?

By George Morris | January 15, 2020

Money woes plague countless millions of Americans, stressing marriages and giving rise to feelings of hopelessness. For many mired in debt, credit counseling offers a lifeline to solvency and better…

Scale weighing benefits of credit counseling vs credit repair

Credit Repair vs. Credit Counseling

By Tom Jackson | October 31, 2019

Good credit means better interest rates on homes, cars and credit cards, lower insurance rates, easier access to rental apartments and utilities and maybe even better job opportunities. Consumers with…

Credit Card and Repair Scam

How to Avoid Credit Repair and Credit Counseling Scams

By Joey Johnston | October 29, 2019

There are two terms that consumers with blemished credit reports should be careful with: credit repair and credit counseling. Credit repair companies are to finances what car repair is to…

Concerned woman looking at many credit cards feeling anxious and scared with huge amount of debt

Should You Choose Debt Consolidation or Credit Counseling?

By George Morris | August 23, 2019

Pros and Cons of Debt Consolidation and Credit Counseling The short answer to that question is: Yes. As flippant as that sounds, it can’t be stressed enough that if your…

Sources:

  1. N.A. (2024, November) Credit Repair Services Market. Retrieved from: https://www.researchandmarkets.com/report/credit-repair-services
  2. N.A. (2022, January) Annual report of credit and consumer reporting complaints. Retrieved from: https://files.consumerfinance.gov/f/documents/cfpb_fcra-611-e_report_2022-01.pdf
  3. Luthi, B. (ND) How Does Credit Repair Work?. Retrieved from: https://www.experian.com/blogs/ask-experian/how-do-credit-repair-companies-work/
  4. N.A. (ND) How much does Lexington Law cost? Retrieved from: https://www.lexingtonlaw.com/faq/costs
  5. N.A. (2024) Semi-Annual Report of the Consumer Financial Protection Bureau. Retrieved from: https://files.consumerfinance.gov/f/documents/cfpb_spring-24-semi-annual-report_2024-12.pdf