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 To Your Credit

Credit Counseling Agencies

If you decide to use a credit counseling agency to help get you back on track and work towards repairing your credit, the FTC (Federal Trade Commission) has several tips to help you choose the right one.

It's important to carefully choose your credit repair agency. Some businesses promise things they cannot deliver.

�  Interview several credit counseling agencies before signing a contract.

�  Check with your state attorney general, local consumer protection agency, and the Better Business Bureau to find out if consumers have filed complaints about the agency you are considering.

�  Ask for information from the agency about itself and its services. A reputable agency will send you this type of information free without requiring you to provide any details about your situation. If the agency won't do this, find another agency.

�   Ask Questions about services and fees.

�   Ask Questions about their repayment plans.

Keep in mind:

�  If a credit repair agency wants you to pay before providing any services, the company might not be legitimate.

�  Many states have laws that regulate credit repair companies.