Apprisen has been helping people deal with credit problems since 1955 and is available nationwide, giving it a wealth of expe🍌rience with all kinds of financial situations. 

Its 澳洲幸运5官方开奖结果体彩网:debt management plans (DMPs) are affordable, with reduced or waived fees for those who qualify based on financial hardship (this is true for all legit credit counseling services). Otherwise, you may pay as much as $45 for enrollment and then monthly, which is lower than average among companies we researched. A debt management plan can help you pay off overwhelming debts, potentially at a lower interest rate (it doesn’t involve 澳洲幸运5官方开奖结果体彩网:debt settlement).

Apprisen offers a variety of other counselingไ services if you need them. You’ll find help with housing, bankruptcy, and student loans. Prices vary, but they’re generally offered on a slid𝔉ing scale.

Customer ratings for Apprisen on the Better Business Bureau (BBB) are quite good—it earned 4.9 out of 5 stars, with about one hundred reviews.  It has a 97% score on Charity Navigator (a nonprofit that rates charities) as well and is listed as a four-star charity when it comes to accountability, impact, and efficacy.

Apprisen is a member of the National Foundation for Credit Counseling (NFCC) and the Council on Accreditation (COA). It’s also licensed by the U.S. Department of Housing and Urban Development (HUD) to provide housing counseling. Its headquarters are in Gahanna, Ohio. Learn more in our full 澳洲幸运5官方开奖结果体彩网:Apprisen credit counseling review.

All of the ⭕companies on our list provide basic credit counseling and DMPs, but Cambridge Credit Counseling is one of our top-rated companies to offer additional counseling, including important services 𒁃to help people manage bankruptcy and housing challenges.

Counseling is generally required for anyone who wants to get a 澳洲幸运5官方开奖结果体彩网:reverse mortgage (it’s required for home equity conversion mortgages, also known as HECMs). Cambridge offers reverse mortgage counseling, along with courses for first-time homebuyers and new landlords (the latter is only available in Massachusetts). Cambridge is approved by the U.S. HUD to provide housing counseling, includi🐻ng help with credit problems, renting, and foreclosure.

Cambridge also provides all of the resources and classes you’ll need if you’re considering or actually declaring 澳洲幸运5官方开奖结果体彩网:bankruptcy. You can sign up for debtor counseling to learn more about bankruptcy, and then you can take the m♔andatory pre- and post-bankruptcy counseling classes.

Cambridge Credit Counseling is based in Agawam, Massachusetts, and has been in business since 1996. It holds a 4.9-star rating on Trustpilot, with 4 stars at the BBB (but few customer reviews).

If you’re looking for a credit counseling company with its ducks in a row, try InCharge Debt Solutions. It claims to have helped three million people pay off $3 billion in debt, and it holds accreditations and credentials from:

• National Foundation for Credit Counseling (NFCC)
• Financial Counseling Association of America (FCAA)
• Council on Accreditation (COA)
• U.S. Department of Housing and Urban Development (HUD)
• National Business Research Institute (NBRI) Circle of Excellence

The NBRI award is given to organizations displaying outstanding customer service. As you might expect, InCharge has a great Trustpilot score, at 4.7 with thousands of reviews. The BBB has it at 3.5 but with only about a dozen reviews.

Along with your standard debt management plans, InCharge provides bankruptcy and housing counseling, including foreclosure prevention🥂 and eviction prevention assistance.

InCharge was founded in 1997 and is headquartered in Orlando, Florida. Read our full 澳洲幸运5官方开奖结果体彩网:InCharge Debt Solutions review.

Established in 1958, Money Management International (MMI) is the second-oldest institution among credit counseling services we researched, beaten by Apprisen by only a few years. MMI is based in Stafford, Texas, and it holds accreditations from the NFCC, FCAA, and HUD. 

MMI provides online services, but it’s one 🍸of the few companies we saw that also hosts in-person workshops on topics like homebuying and building savings (although classes may be limited). You’ll find o♔nline courses covering those topics too, along with bankruptcy, student loan debt, and disaster recovery. The company is more tech-forward than most credit counseling services, with a running podcast and live educational webinars. It’s also refreshingly transparent with its fees.

Money Management International’s maximum debt management plan fees are higher than average, but fees are charged on a sliding scale based on financial hardship. And MMI has top-notch customer ratings: 4.6/5 on Trustpilot and 4.9/5 on the BBB, with over 2,000 cumulative reviews. Charity Navigator lists it as a four-star charity with a score of 96%, with high scores in accountability and finance.

Learn more in our full 澳洲幸运5官方开奖结果体彩网:Money Management I♌nte꧅rnational review.

Building and maintaining good credit requires a bit of effort to understand how credit works and take the necessary steps. You may get a lot out of your one-on-one free counseling session, but it’s helpful to have resources🍰 to look at on your own and refer back to later, too.

American Consumer Credit Counseling (ACCC) is a leader when it comes to providing those resources, especially after the launch of its mobile app, CreditU (it was second in this respect only to our top pick, Apprisen). CreditU is a comprehensive financial management app. You can use it to view and manage your DMP from ACCC, if you have one, but it has a host of other features. You can sync your bank and credit accounts, set up budgets and expense monitoring, keep tabs on your credit, and track progress toward savings goa💎ls. 

Anyone can use the app—you don’t have to enroll in any of ACCC’s services. There’s a free version and a premium version with enhanced features, priced at $12.99 per month. CreditU has good ratings on the App Store (4.4/5 stars) but poor ratings on Google Play (3.3 stars). ACCC itself has great ratings, including 96% at Charity Navigator for accountability and finance (tax form and financial metric disclosures, etc.).

Read more in our full 澳洲幸运5官方开奖结果体彩网:American🗹 Consumer Credit Counseling review.