The 5 Best Credit Counseling Services in Phoenix

When it comes to managing your finances, finding the right credit counseling service can make all the difference. Whether you’re looking to improve your credit score, manage debt, or simply gain a better understanding of your financial situation, choosing a reputable service is crucial. In this guide, we explore the 5 best credit counseling services in Phoenix, offering insights into what each has to offer and how they can help you achieve your financial goals.

Here are some services typically offered by credit counseling agencies and important aspects to consider when selecting one:

  • Debt Management Plans (DMP) – Programs to consolidate and repay debt over time.
  • Budget Counseling – Assistance in creating a realistic and effective budget.
  • Credit Report Reviews – Detailed analysis of your credit report to identify areas for improvement.
  • Financial Education Workshops – Sessions to enhance your knowledge of personal finance.
  • Bankruptcy Counseling – Guidance on whether bankruptcy is a viable option and how to proceed.
  • Fees and Costs – Understanding the pricing structure, which can range from free services to charges of up to $100.
  • Accreditation – Ensure the agency is accredited by recognized organizations for credibility.
  • Customer Reviews – Insights from past clients about their experiences and satisfaction.
  • Transparency – Clear information on services, fees, and processes.

Understanding these elements will help you make an informed decision as you navigate your options in Phoenix. Explore our guide to find the best fit for your needs.

5

Number of companies

1000

Verified reviews

4,90

Average rating

American Consumer Credit Counseling, Inc
(877)4401773

1. American Consumer Credit Counseling, Inc

★ ★ ★ ★ ★ 5,0/5
20 E Thomas Rd, 85012.0, Phoenix
  • Credit counseling service

Why we chose them

American Consumer Credit Counseling, Inc. is a prominent not-for-profit agency dedicated to providing comprehensive credit counseling services across the nation. With a focus on empowering individuals and families to regain control over their finances, the company offers a wide range of services, including credit counseling, debt consolidation, debt management, bankruptcy counseling, and housing services. Known for its compassionate approach, the agency prides itself on offering free or low-cost plans tailored to clients’ financial situations, helping them navigate challenges such as overwhelming credit card debt and financial stress.

As a member of the National Foundation for Credit Counseling and holding an A+ rating with the Better Business Bureau, the company is recognized for its credibility and effectiveness. Their certified counselors are committed to reducing interest rates and monthly payments, guiding clients toward financial stability. Clients have consistently praised the agency’s supportive and knowledgeable counselors, reflecting the positive impact of their services. By prioritizing personalized financial solutions, the agency stands out as a trusted partner for those seeking to improve their financial health.

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Take Charge America
(623)2666100

2. Take Charge America

★ ★ ★ ★ ★ 4,8/5
20430 N 19th Ave Suite B155, 85027.0, Phoenix
  • Credit counseling service

Why we chose them

Take Charge America stands out as a leading nonprofit agency dedicated to helping individuals and families nationwide overcome financial challenges. Since its founding in 1987, it has supported nearly 2 million people in managing and repaying over $6 billion in personal debt. The company offers comprehensive services, including credit counseling, debt management, student loan counseling, and housing counseling. It provides a free online debt review and a wealth of educational resources designed to assist clients in developing effective financial habits, budgeting for living expenses, and managing debt responsibly. The highly trained counselors offer personalized, one-on-one guidance to help clients achieve financial independence and reclaim their financial stability.

Emphasizing a compassionate and objective approach, the agency is committed to empowering clients with the knowledge and tools necessary to tackle credit card debt and other financial hurdles. Clients can benefit from reduced interest rates, waived fees, and manageable repayment plans, typically spanning three to five years. With online counseling available 24/7, individuals can access tailored action plans, including credit report summaries and budgeting options. As an organization driven by a mission to foster financial independence, Take Charge America remains a trustworthy partner for those seeking to transform their financial outlook.

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Emergency Credit Solutions
(888)6741645

3. Emergency Credit Solutions

★ ★ ★ ★ ★ 5,0/5
4600 E Washington St suite 300, 85034.0, Phoenix
  • Credit counseling service

Why we chose them

Emergency Credit Solutions specializes in offering expert credit counseling services designed to empower individuals to take control of their financial futures. The company focuses on helping clients achieve exceptional credit scores by providing comprehensive resources, such as free e-books and do-it-yourself credit repair kits. Their dedicated team assists in correcting or removing questionable items from credit reports, including collections, bankruptcies, and late payments, ensuring clients are well-equipped to improve their credit standing.

With a user-friendly website, Emergency Credit Solutions emphasizes easy access to valuable credit repair tips and updates. They offer free consultations to guide clients through the process of enhancing their credit, addressing issues like repossessions, charge-offs, and foreclosures. The company’s commitment to supporting clients in overcoming credit challenges makes it a valuable addition to our directory, particularly for those seeking to improve their financial health and access better loan opportunities.

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C&E Credit Solutions
(855)9943827

4. C&E Credit Solutions

★ ★ ★ ★ ★ 4,9/5
10000 N 31st Ave, 85051.0, Phoenix
  • Credit counseling service

Why we chose them

C&E Credit Solutions is a standout in the credit counseling industry, offering a strategic and aggressive approach to credit repair. The company exists to help consumers delete debt and achieve a 750 credit score, emphasizing a personalized and proven process. Their unique method involves correcting credit by removing inaccurate information from all three credit bureaus, which leads to improved scores and enhanced financial opportunities. By fully exercising Fair Credit Reporting and Consumer Protection Laws, they ensure clients are protected and empowered, making them an ideal choice for those seeking effective credit repair solutions.

Clients benefit from a seamless experience with a complimentary consultation and credit audit, followed by an easy enrollment process. Once enrolled, clients access a portal for real-time updates and can monitor their credit repair progress. The company’s focus on building positive credit habits alongside dispute resolution ensures lasting financial health. With a commitment to delivering REAL Results, REAL Fast, this service elevates not just credit scores but also the quality of life for its clients, embodying the belief that investing in credit now can save thousands on future loans and lower interest rates.

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Next Gen Credit Solutions
(888)8903371

5. Next Gen Credit Solutions

★ ★ ★ ★ ★ 4,8/5
1502 W Osborn Rd ste b, 85015.0, Phoenix
  • Credit counseling service

Why we chose them

Next Gen Credit Solutions specializes in credit counseling services, offering expertise in disputing negative impacts on credit reports. The company focuses on removing inaccuracies such as bankruptcies, repossessions, collections, and more. Their personalized approach helps clients eliminate substantial debt, improving credit scores and enhancing financial opportunities. By leveraging the Fair Credit Reporting Act, the team efficiently addresses errors on credit reports, ensuring accurate representation.

Their comprehensive credit consultation process includes analysis, dispute, and progress tracking, leading to tangible improvements for clients. With a proven track record, they’ve successfully contested and removed various negative items, empowering clients with better loan terms, increased access to credit, and lower insurance premiums. The company’s commitment to customer satisfaction is reflected in their policy of limited slots, ensuring focused and effective service for each client.

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FAQs

What services do credit counseling agencies typically offer?

Credit counseling agencies commonly offer services such as Debt Management Plans (DMP), budget counseling, credit report reviews, financial education workshops, and bankruptcy counseling.

How much do credit counseling services cost in Phoenix?

The cost of credit counseling services in Phoenix can vary. Some agencies offer free initial consultations, while others may charge fees ranging from €50 to €100 for comprehensive services.

How do Debt Management Plans (DMP) work?

Debt Management Plans (DMP) involve consolidating multiple debts into a single monthly payment, often with reduced interest rates and waived fees. Credit counselors work with creditors on your behalf to create a manageable repayment schedule.

What should I consider when choosing a credit counseling service?

When selecting a credit counseling service, consider factors such as accreditation, customer reviews, transparency in fees and processes, and the range of services offered.

How can credit counseling improve my credit score?

Credit counseling can help improve your credit score by providing guidance on debt reduction, budgeting, and credit report reviews to identify areas for improvement. Consistently following a debt management plan can also positively impact your score.

Are there free credit counseling services available?

Yes, some credit counseling agencies offer free services, especially for initial consultations or basic financial education. However, more comprehensive services may involve fees.

How long does a typical credit counseling program last?

The duration of a credit counseling program can vary based on individual needs and the complexity of your financial situation. Debt Management Plans typically last three to five years.

What is the importance of accreditation for credit counseling agencies?

Accreditation ensures that the credit counseling agency adheres to industry standards and best practices. It provides credibility and assurance that the agency is reputable and trustworthy.

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