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December 7, 2007, Newsletter Issue #92: How to Know if You Need Credit and Debt Counseling
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Tip of the Week
The main reason that most consumers fail to get help with their credit and debt is because they do not believe that they need to. If you think you may benefit from credit and debt counseling but are not convinced, here are a few ways to know if you could benefit. Do you carry multiple debts from multiple creditors? If this is the case, chances are you would benefit from credit and debt counseling. Most counselors can show you unique ways to consolidate these multiple debts into a single, more manageable debt scenario. Have you had trouble qualifying for a loan? If you have tried buying a car or getting a mortgage recently and did not qualify for the lowest rates available then you would definitely benefit from credit and debt counseling. These low rates are reserved for the best credit ratings. Just because you couldn't qualify now does not mean it is the end of the world. As long as you take advantage of credit and debt counseling to repair your problems, you will qualify for that rate soon enough. Are you having trouble making your monthly payments? Most people who have trouble with their monthly payments don't have trouble because they do not earn enough. Usually, these troubles are rooted in high interest rates and large minimum payments. Credit and debt counseling can find ways to move your debts around and get you more manageable payments each month.
If you fall into any of these categories, or even if you just feel like you could use the help, find a company that can offer you credit and debt counseling and at least see what they have to say. Isn't a short amount of time listening worth more than a long length of time spending more than you should?
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