Credit counseling can mean different things to different people.
To some, it represents a way to get out of debt through a debt
management program, to others it's a way to fix and rebuild their
credit. In reality, credit counseling comprises all of these
things and more.
Proper credit counseling consists of more than just debt relief.
It also provides a credit education program and budgeting information.
Some credit counseling agencies even require that these programs
be completed before enrolling into their debt
management program.
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