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Premier Credit Counseling - Common Questions

Below you will find answers to our most frequently asked questions.

What services do you offer?
Consumer credit counseling includes a wide variety of services including education on budgeting, learning to use credit wisely , dealing with creditors, and managing past and current credit and debt.

Do you offer free information or consultation?
Yes, it cost nothing to find out how consumer credit counseling can help you manage your finances. Our credit counselors will give you lots of tips and information.
Do you offer "credit repair" services?
If you are referring to the services advertised which includes "erasing" bad credit, the answer is no. Our counselors will be able to help you find out how to fix a credit report with inaccurate information, but no one can legitimately "erase" past credit errors.

Is consumer credit counseling similar to bankruptcy?
Not really. Consumer credit counseling is designed to help you manage your prior credit obligations by advising you on budgeting and other ways to effectively manage your bills. We guide you on how to set up payment plans if you are behind and work on ways to keep you on track to becoming debt free. While there are several types of bankruptcy, most people choose to eliminate all debts. While this does stop creditors from hasseling you, it can remain on your credit report for up to 10 years. Bankruptcy may make is difficult to get loans for a long period of time.
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