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What can credit counseling accomplish?

If you live in Florida and are finding it increasingly difficult to stay on top of your finances, you may be considering setting a meeting with a credit counselor. A credit counselor is someone who offers credit counseling, debt management or financial education services for consumers in need, and credit counselors often help people regain control over their finances or work through common financial obstacles.

Per NerdWallet, working with a credit counselor can be an effective, economical way to navigate some common financial problems and circumstances. For example, if you find yourself struggling with overwhelming debt, a credit counselor may be able to help you pursue appropriate debt relief options. He or she can also likely help you avoid hurting your credit score or falling victim to common scams while you work your way through your options. You may also find it beneficial to work with a credit counselor if you are looking to buy a home in the near future, or if you were unable to obtain a consolidation loan to help you take care of unsecured debt.

Just how, specifically, can your credit counselor help you find relief? One of the first things your credit counselor may do is pull your credit report to check for errors or inconsistencies. He or she can help you dispute anything false that you find on your report, and he or she can also provide you with tips for how to rebuild your credit score moving forward.

You can also utilize credit counseling to help you create a reasonable budget that is in line with your current financial goals. Maybe you are looking to secure a mortgage loan, or perhaps you want to pay off your credit card debt within a certain timeframe. Regardless of your precise goal, credit counseling may be able to help you view your financial situation with fresh eyes and uncover solutions you may not have realized were available to you.

This information about credit counseling is informational in nature and doe not constitute legal advice.

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