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The Value of Credit Counseling in Everyday Life

LLBy Lauralynn Schueckler

Credit counseling is often an overlooked free financial tool in our busy everyday lives. We need good credit for everything these days as we transition to less and less cash in our lives. The truth is good credit is not only for financing, but it’s also essential in setting up utilities, getting a cellular phone, or even landing a job.

Unfortunately, most people only really think about it when they are ready to make the largest purchase of their lives, like buying a home. It is at this point when an enormous realization sets in, either positive or negative, and we find ourselves unsure about answers and full of questions.

Credit counseling is a tremendous benefit at any stage in your life. Whether you are just starting out and want to proactively prepare yourself, have some serious issues that need to be corrected, or just want to create the best financial future for you and your family on the credit palette, credit counseling can facilitate that journey.

Nonproft credit counseling agencies are able to help navigate you thru the road map of credit, teaching you the good habits and how to avoid the pitfalls. For many people, the pitfalls around credit have to do with a lack of knowledge and/or experience. The majority of us never truly get a full understanding of the enigma that is the credit scoring system in the United States.

Credit counseling, as well as discussion blogs, forums, and online posts allow us to share the good and the bad; teach us how to learn from our experiences and the ones of our peers. It’s a great medium for us to learn, teach, share, and avoid similar errors. The power of knowledge is invaluable in everyday life, and as it applies to credit it is magnified exponentially.

When it comes to credit a little preventive help goes a long way to making life easier, not only today but also way down the road. One thing is true when it comes to credit counseling; it is never too early to start or too late to learn. Every one of us can benefit from proper knowledge about the constantly changing mystery that is credit reporting. Credit is now an essential part of most of our daily activities, we can no longer ignore it, and we must embrace the challenge and use the tools available to succeed.

Lauralynn Schueckler is the Online Marketing Specialist at Advantage Credit Counseling Service. She is the author for Advantage CCS’s Blog called Dollars & Sense. Advantage Credit Counseling Service is a member of the National Foundation for Credit Counseling. Contact Advantage Credit Counseling at 866.699.2227, or visit them online at www.advantageccs.org.

Views expressed are the personal views of the author, and do not represent the views of the National Foundation for Credit Counseling, its employees, its members, or its clients.

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