Even though there are many brick and mortal consumer credit counseling firm out there, your sure bet is online consumer credit counseling. As the name suggest, this type of counseling is done on the world wide web. In other words, you don’t have to leave the comfort of your room or office before you can get the counseling you need regarding your credit.
The online consumer credit counseling service is not much different than what you get offline. There are many online organizations that will help you repair credit rating or score. They will also help you with useful tips on maintaining a good score. However, I need to quickly add that many of these online organizations are fraudulent. Unfortunately, many people like you have fallen into their trap. By being careful, you can avoid their trap and be able to get a legitimate online organization that will help you with your credit score.
One of the advice I do give to people like you seeking for online consumer credit counseling service is to never disclose their credit information. Whether you got a mail from one of these fraudulent organizations or you mistakenly arrive at their website, never disclose your financial information. Some of them will inform you that they will help you free of charge. Don’t believe them. They only want to get your credit information in order to impersonate you and plunge you further into debt.
Another recommendation is to always be very careful of online organizations presenting themselves as ‘free’ or ‘non-profit’ organization. Most of these people merely use the term in order to get their prey. Hence, it is advisable for you to look before you leap. Ensure that this is a legitimate organization. You can know by calling them on phone. An answer will tell you they are. Also, try looking at their contact address. Try researching the address so that you can know if it is phony or genuine.
Lastly, I will advise that you check forums relating to finance. Ask question about the online consumer credit counseling service or firm you want to hire. Other people on the forum will help you with useful information and various organizations out there.