Credit Counseling Companies

Many people believe that the decision to join a credit counseling company is one of the hardest decisions to make when in all reality it can often be finding the right company to use. Let’s face it if you have debt and can’t afford to pay your bills you need help. It really boils down to what program to join and with what company.

Best Credit Counseling Companies – Credit Counseling Reviews

Many people believe that the decision to join a credit counseling company is one of the hardest decisions to make when in all reality it can often be finding the right company to use. Let’s face it if you have debt and can’t afford to pay your bills you need help. It really boils down to what program to join and with what company.

There are literally thousands of different credit counseling companies out there and that is why we have spoke with hundreds of them extensively about their programs to find out which companies are legit and which ones are not.

Below are the top 5 questions in which you need to ask any debt relief program before enrolling.

#1 Are you licensed to do business in my state? Might sound like a silly question but in order for a company to do business in certain states it requires them to have a license and be backed by a law firm.

#2 Do you have any accreditations? It is important that you are working with a company that is and has been accredited by its regulators in which it conducts business.

#3 Will this affect my credit? All debt relief programs will affect your credit whether you like it or not. This question is to test if they are telling you the truth.

#4 Do you get paid a commission? Sales representatives that are paid by commission are more likely to charge you more fees and place you into a program that does not make the most sense for you in order to make more money.

#5 How long have you been in business? We recommend that you do not work with a company who has been in business under 12 months.

Below are our picks and credit counseling reviews:

#1 Impact Debt Relief:
Impact Debt Relief gets our #1 vote due to there personal service, ability to work in all states and great track record within the industry.

#2 Eagle One Debt Settlement:
Eagle One takes the #2 spot. Smaller firm that can only work in a handful of states. Eagle One is a legitimate company but seems to focus on more of a smaller debt amounts and credit cards.

#3 Freedom Debt Relief:
Freedom rounds out our top 3 credit counseling companies. Freedom is one of the largest firms out there but what scares us about them is the amount of complaints with the BBB as well as some pending lawsuits. Still a viable source though.

We rated the top 3 firms based on fees, years in business, accreditation, and overall customer service. To read more about the above referenced companies or to receive a free quote visit our site below.