Credit Counseling

Worried about your finances? Clearpoint can help you find peace of mind!

Clearpoint's mascot Penny Pincher in a yoga pose

A free budget and credit counseling session from Clearpoint can help you pay down debt, manage expenses, plan for the future, and achieve financial peace of mind. During your session, a certified credit counselor will provide you with the following:

  • Free Credit Report Review
  • Free FICO Score
  • Personalized Action Plan and Budget

Overwhelmed by credit card debt? Worried about poor credit? Want to buy a home or plan for retirement? Whatever your financial goals, our certified credit counselors will give you the objective advice you need to achieve them.

How It Works

If it sounds like a budget and credit counseling session might benefit you, watch the video below or read on to find out more about how it works.

Watch this brief introduction to our credit counseling service.

 

1. Meet With Your Credit Counselor

Counselors are available to meet over the phone, online, or face to face. Your counselor will start your session by reviewing your current situation and discussing your financial goals and concerns.

2. Develop a Budget and Action Plan

Together with your counselor, you’ll develop a plan and budget to meet your goals. As part of your action plan your counselor may recommend a debt management program to help pay off your debt safely and conveniently.

3. Review and Execute Your Financial Plan

Your counselor will send you your action plan, a written overview of your current financial picture, and other recommendations, strategies, and valuable information. You’ll then be ready to start working toward your financial goals.

4. Follow Up

Your counselor will check in with you after 5–7 business days to make sure that you’re off to a good start. In addition, should you ever find yourself struggling, you can request a follow-up session, during which your counselor can help adjust your budget, provide encouragement, and answer any questions you may have.

For more details on the Clearpoint counseling process, click here.

Ready to Make a Plan?

Review your budget, get your credit score, and start paying down debt with an online counseling session.

Start Now

Who Can Benefit from Credit Counseling?

Are you wondering whether credit counseling is right for you? Ask yourself these questions:

  • Do you put more than 20% of your income toward non-mortgage debt?
  • Do you struggle to make your monthly payments?
  • Do you live paycheck to paycheck with little or no savings?
  • Do you pay with credit cards because cash is not available?
  • Do you think about how much easier life would be if you could repay your debt?

If you answered “yes” to some of these questions, you are not alone. Thousands of consumers are behind on credit card accounts, medical bills, car payments and other financial commitments. These debts can spiral out of control and make life a daily challenge.

If you feel like you’re in over your head, a credit counseling session can help you regain control. Our credit counselors can explain your available options and help you climb out of debt.

In addition, your credit counseling session will give you recommendations and a plan to help you achieve important financial goals like:

  • Buying a home
  • Buying a car
  • Saving for emergencies
  • Funding retirement
  • Sending your children to college
  • Planning for a vacation

For more on how you can benefit from credit counseling with Clearpoint, click here.

Our experience with Clearpoint Credit Counseling is remarkable as they have helped us understand how to remove that overwhelming and disastrous financial burden from our lives. Our Clearpoint counselor is always welcoming, empathetic, professional and experienced and he has allowed us to live our lives as we had dreamed—free from the nightmare of the intimidating phone calls, the threatening letters and the guilt we felt.

Why Choose Clearpoint?

If you’re considering credit counseling, there are many reasons to consider Clearpoint. We are:

  • Nonprofit. You can trust us to provide objective advice and services that benefit you, the consumer.
  • Education focused. Since your financial well-being is our top priority, our counseling model rests on teaching you how to manage your money and providing you with solutions to your individual financial situation.
  • Fully certified. The National Foundation for Credit Counseling (NFCC) is the largest, longest serving and most well-respected credit counseling network in the country. All Clearpoint counselors must be NFCC-certified, which means they have studied counseling principles, understand consumer rights and responsibilities, and have passed examinations showing their proficiency in these and other areas.
  • BBB accredited. We’re a system-wide accredited business of the Better Business Bureau with an A+ rating.

Ready to Make a Plan?

Review your budget, get your credit score, and start paying down debt with an online counseling session.

Start Now

Other Frequently Asked Questions

How much does credit counseling cost?

Nothing; we offer this service free of charge.

I need credit counseling so that I can file for bankruptcy. Is this service right for me?

No, but we can help you via a special counseling service we offer just for those filing for bankruptcy. For more information on this service, click here.

If you pull my credit report, will it affect my credit?

No. When we pull your credit it’s considered an “educational pull” rather than an indication that you’re seeking new credit. Pulling your credit report gives us critical information about your financial situation and helps us to better help you, so we highly recommend it.

Read our credit counseling FAQ for answers to many other questions, including what to expect during your counseling session.

Get Started

We offer three ways to receive credit counseling. Read below and pick the one that’s right for you.

  • Online Counseling

    Our counselors will work with you at your own pace via email or phone to review your financial situation and develop a plan to achieve your goals. To get started, fill out an online counseling form and we’ll be back in touch shortly.

    Start Now
  • Phone Counseling

    Our counselors are ready to help you over the phone. Immediate sessions are available, or you can schedule a session for a time that’s convenient to you.

    Find Out How to Start
  • Face-to-face Counseling

    To set up an in-person session with one of our counselors, view our list of locations and call us to schedule an appointment at the office nearest you.

    Locations

Additional Resources

Here are a few additional resources and links to more information about our credit counseling service.

Ready to Make a Plan?

Review your budget, get your credit score, and start paying down debt with an online counseling session.

Start Now

Ready to Make a Plan?

Review your budget, get your credit score, and start paying down debt with an online counseling session.

Start Now