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2. Best credit counseling services - AOL

   www.aol.com/finance/best-credit-counseling...

   Certified counselors: You can confirm if an agency is using certified credit counselors before signing up. Counselors with a reputable agency are likely certified in consumer credit, money and ...

3. Credit counseling: What to know before signing up - AOL

   www.aol.com/finance/credit-counseling-know...

   Key takeaways. Credit counseling is a way to help those overwhelmed by debt or unable to manage their expenses. In credit counseling, you’ll work with a credit counselor to review your finances ...

4. Debt relief: Pros and cons - AOL

   www.aol.com/finance/debt-relief-pros-cons...

   If you work with a credit counselor to create a debt management plan, ensure it’s with a non-profit counseling agency. You can consolidate debt through a 0 percent APR credit card or a debt ...

5. National Foundation for Credit Counseling - Wikipedia

   en.wikipedia.org/wiki/National_Foundation_for...

   The National Foundation for Credit Counseling (NFCC), founded in 1951, is the largest and longest-serving nonprofit financial counseling organization in the United States. NFCC member agencies provide access to financial counseling services for consumers.

6. Howard Dvorkin - Wikipedia

   en.wikipedia.org/wiki/Howard_Dvorkin

   Howard Dvorkin (born April 7, 1965) is a CPA, author, national columnist, philanthropist, and founder of the nation's largest credit counseling agency. [1] The chairman of Debt.com, he has advocated a cash-only lifestyle without credit cards .

7. Credit counseling - Wikipedia

   en.wikipedia.org/wiki/Credit_counseling

   In order to initiate a DMP, a consumer would authorize the credit counselor to contact each of the consumer’s unsecured creditors and negotiate with each creditor to lower the consumer’s monthly payment amount, to lower the interest rate, and to waive any outstanding late fees. The debt was then ‘‘consolidated’’ into a single ...

8. Alternatives to debt relief - AOL

   www.aol.com/finance/alternatives-debt-relief...

   Credit counseling comes in the form of both for- and nonprofit agencies. If possible, avoid turning to a for-profit credit counseling company first, as these are basically another form of debt ...

9. Credit score in the United States - Wikipedia

   en.wikipedia.org/wiki/Credit_score_in_the_United...

   Getting a higher credit limit can help a credit score. The higher the credit limit on the credit card, the lower the utilization ratio average for all of a borrower's credit card accounts. The utilization ratio is the amount owed divided by the amount extended by the creditor and the lower it is the better a FICO rating, in general.