Credit Counseling

Credit counseling services are designed to help debtors develop a plan of action for repaying debts that they can no longer afford. However the services provided by credit counseling agencies only reduce interest rates, and prolong the extent of their payments.

Credit Debt USA helps consumers reduce the principle balance owed through debt settlement; the programs are completed faster than drawn out credit counseling services minus the credit score aftermath of bankruptcy.

Credit counseling sessions consist of a budget analysis and money management advice, and then their agents recommend a debt management program which again, only reduces interest rates and is provided by us if the client chooses that route. When that’s just not enough consumers can contact Credit Debt USA for additional assistance to eliminate the very root of the problem, which is the principle balance owed.

We believe future clients, and generally any consumer in debt should know all their options before experiencing credit counseling services.

Credit Counseling: The Truth

In the long haul, credit counseling services could cost you more in lost opportunities and should be thought through carefully. Did you know credit counseling provides a service whereas the entire balance is paid back, usually in full? Do you really plan on paying back aged debts for the next 3-5 years? Did you know credit counseling services have upfront fees that are applied to your credit cards, the same credit cards you're trying to close out?

Did you know credit counseling services have a low client retention rate (meaning clients drop-out)? Did you know accounts that enter a debt management program designated from a credit counseling agency appears on your credit report as "Third Party Aid" (which is bad)?

In general, debt settlement companies have a higher customer retention rate simply because results are displayed faster. Accounts are closed, and credit scores are restored - period.