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Credit Counseling | Top Companies: This Week's Reviews |
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| Services Offered:
Credit counseling and consolidation tools |
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| Company Overview:
Established in 2006, Credit Diagnosis is designed to
provide all the tools that those in need of credit
counseling can use. They have credit repair and
management tools, including credit scores and identity
theft protection. The company serves millions of
customers each year. |
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| Our Review:
Credit Diagnosis is a great service for anyone who is
looking to get out of debt or needs to monitor their
credit more closely. There are so many programs to
choose from that it can be easy to get overwhelmed, but
this is definitely one service that everyone should
consider when they’re initially considering credit
counseling. |
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| User Review:
Credit Diagnosis gave me a great alternative to credit
counseling. By using their tools, I was able to be my
own credit counselor, and get my life back on track all
by myself. It felt great to be in charge of my own
finances and get them in order! |
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| Services Offered:
Credit counseling and debt settlement |
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| Company Overview:
Debt Free in Three was established in 2005 by company
owner Clint Holland. The program offers credit
counseling tips, as well as a way to get your debt paid
off quickly and easily so you can get on with life. The
services are guaranteed, and the company has helped
thousands of customers since they began. |
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| Our Review:
Debt Free in Three is another great alternative to
traditional credit counseling. The program allows you to
manage your own debts and get them paid off quicker by
following the guidelines set forth. You shouldn’t spend
hundreds of dollars on credit counseling and traditional
debt settlement companies until you try this service,
because it’s a great one. |
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| User Review:
Debt Free in Three is awesome! I’ll admit, I first
feared that the program might be a scam that was preying
on people like me who were desperate, but when I saw the
money-back guarantee, I figured it was worth a shot. I’m
so glad that I gave it a chance, because it turned out
to be the best solution out of any of them! |
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| Services Offered:
Credit counseling alternative |
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| Company Overview:
Living on a Dime was first established in 1999 by a
mother-daughter couple. They have been living the
lifestyle that they teach in their books for more than
20 years collectively. They sell thousands of books
every year, which provide information on how to live
frugally and get out of debt quickly. |
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| Our Review:
Living on a Dime is a great alternative to the expensive
world of credit counseling. They offer everything that
you need for getting out of debt, without the expensive
costs of credit counseling and debt settlement
companies. Customers seem to enjoy this product and
benefit from it greatly, and we think it’s a great idea
for those who want to change their lives for good. |
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| User Review:
I thought that credit counseling was my only option when
I was so far in debt, but I stumbled on to this website
during a search engine search, and was excited to find a
variety of information that said that credit counseling
wasn’t my only alternative. The book was affordable, and
much cheaper than a settlement company, so I gave it a
shot, and now I couldn’t be happier. |
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| Services Offered:
Credit counseling, debt consolidation |
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| Company Overview:
DebtRite has been helping millions of customers for over
5 years to get out of debt. They are a credit counseling
and consolidation company that can often get consumer
debt reduced by up to 60% for many consumers. DebtRite
doesn’t have a minimum requirement for the amount of
debt needed to qualify for their services. |
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| Our Review:
DebtRite is a great company. Since they have no minimum
requirement like many companies do, they can help
everyone. They provide great credit counseling services,
and their customer service and website are both top
rate. It would be nice to see more facts about the
people that the company has worked with or their success
over the years, but in all, it’s a great service. |
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| User Review:
DebtRite was able to get my debt cut in half before I
even started paying on it. I was so surprised when they
told me that they had eliminated so many penalties and
fees, and I almost didn’t believe them. They did,
though, and they helped me set up a payment plan to get
the rest of the debt taken care of in no time at all. |
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Other Top Companies for
Credit Counseling : |
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How to Know When Credit Counseling is the Answer: |
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Credit
counseling is not a solution that’s right for everyone.
However, it is a solution that many people will find
beneficial, as long as they use the tools wisely. Credit
counseling will actually teach you how to manage money
and pay your bills better, including setting up a budget
and savings accounts. If you’re in a financial mess
because of credit cards or other bad debt, you might
want to consider credit counseling to help yourself get
back on track. However, if you’re not sure that it’s
gotten to that point yet, here are a few things to think
about. First, you need to know if you have control over
your spending. This means you can go to the store and
get the things that you need without buying extra items
or overpriced impulse buys that just happen to catch
your eye. If you see a cute sweater when you’re out
shopping for a new vacuum, for example, can you tell
yourself no? If not, you should definitely choose credit
counseling over credit consolidation. What’s the
difference? Credit counseling will teach you how to
manage money while helping you pay down your debts.
Credit consolidation, on the other hand, will simply pay
off your debts and teach you nothing, other than the
fact that saving your credit is an expensive task. If
you can pay your bills on time and in full as often as
possible, you will be fine without credit counseling,
because you understand the priorities that you should
have and how they affect your spending. However, if you
often forego the bills until after Christmas so that you
can buy bigger, better presents and more gifts for
people, you’re not in a good position, financially
speaking. There are ultimately two types of people out
there. If you have a good sense of financial savvy, and
know how to spend and save properly, as well as keeping
your bills paid, if you hit a bump in the road, credit
consolidation will help you get back on track. However,
if you don’t know how to budget money and spend
frivolously or live paycheck-to-paycheck, and can’t
figure out how to start a savings account, credit
counseling is the better option to help you get your
financial life back.
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