How to choose a good credit counseling agency

hi,
to choose a good and reliable credit counseling agency, consider the following points:
1. It must have been in business for at least 5 years
2. Check online customer review to ensure it offers services as promised
3. It should not charge anything for initial counseling
4. Check BBB status to make sure that it ha good ratings
Above all, it's always to choose a credit counseling agency which your one of your friends/family members has recommended. By doing so, you can be rest assured that you'll get what you're looking for.

By checking reviews, feedbacks and ratings. The BBB is a good source. You should look into Non-profit credit counselling options as well.

Find a local consumer credit councelling service in your area...they all non profit.

Not all consumer credit counseling service companies are created equal. There are different reasons to seek one out:
HUD housing counseling
Required pre and post bankruptcy credit counseling certificates
Reverse Mortgage counseling

The number one reason people seek out credit counseling is to enroll in a debt management plan.

When it comes to the debt management plan, all credit counseling companies are pretty much created equal. They have preset lower payment concessions and left over discretionary income guidelines from creditors who agree to participate in your repayment plan. There is not really any creativity or skill sets to the DMP.

As tiara mentioned, there are the standard ways to check out a company. What will set one established consumer credit counseling agency apart from another when it comes to enrolling in a debt management plan will be the little things:

Customer service
Friendliness
Accessibility
Value added educational resources
Online access for convenience

If you are seeking out nonprofit consumer credit counseling for the purpose of enrolling in a debt management plan, your priority should be making sure a DMP is right for you. The number one reason people do not complete a credit counseling repayment plan is due to the set payment being inflexible.

If you can afford a monthly payment of roughly 2% of your combined balances of debts enrolled in the plan, you are a good candidate. If you for any reason believe that the estimated 2% of balance monthly payment is a stretch and you have no savings or emergency cash in case of an unexpected expense - look at bankruptcy or settling debts instead.

If the estimated 2% reduced payment is a stretch and a credit counselor seems be over selling the DMP to you, you may not be talking to a good company, or may just be speaking to an over selling counselor.