Many persons believe that the decision to join a credit counseling company is one of the most unmanageable conclusions to make when in all reality it may many times 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 in truth boils down to what program to join and with what company.

There are in a literal sense thousands of dissimilar credit counseling companies out there and that is why we have spoke with hundreds of them extensive when it comes to 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 ridiculous question but in order for a company to do business in sure states it requires them to have a license and be backed by a law firm.

#2 Do you have any accreditations? It is essential that you are working with a company that is and has been accredited by it is 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 salaried a commission? Sales representatives that are remunerated 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 commend that you do not work with a company who has been in business beneath 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, capacity to work in all states and outstanding track record within the industry.

#2 Eagle One Debt Settlement:

Eagle One takes the #2 spot. Smaller firm that may only work in a handful of states. Eagle One is a rightful company but seems to focus on more of a littler debt amounts and credit cards.

#3 Freedom Debt Relief:

Freedom rounds out our top 3 credit counseling companies. Freedom is one of the biggest firms out there but what frightens us regarding them is the amount of complaints with the BBB as well as a heap of pending lawsuits. Still a viable source though.

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

Best Credit Counseling Pic

Best Credit Counseling Picture

Best Credit Counseling Picture

Best Credit Counseling Photo

Best Credit Counseling Pic

Best Credit Counseling Pic