AR Debt Relief

Credit Counseling: Bountiful (UT)

Would you like to get your debts cleared and begin repairing your credit? If so, a trusted Bountiful credit counseling agency could help. We help our customers find the debt relief and credit counseling programs in Bountiful, UT that fit their needs.

Credit Counseling in Bountiful UT

The best candidates for credit counseling have stable income, existing debts of more than $3,000, and have considered filing bankruptcy.

Credit counselors have you pay the full balance owed to your credit card companies, including interest, which is far better for your credit ratings in the end than debt settlement.

We estimate that 1,611 of the 43,685 individuals who live in Bountiful may need credit counseling.

>> Get Your Free Debt Estimate!

Do You Need Credit Card Counseling in Bountiful, UT?

Anyone reviewing a credit application wants to know how much you make, how much you owe. Figuring this out is easy.

Pay DTI Debt Seriousness
$2,273 Less than 36% $818 or less Ideal
$2,273 37%-42% $841-$955 OK
$2,273 43%-50% $977-$1,137 Too High
$2,273 50% Plus $1,159 or More Seek Assistance!

Credit Counseling Programs in Bountiful, UT

Credit Card Counseling Bountiful UT

A fundamental part of credit counseling is managing debt. A DMP is a form of debt consolidation, because the money you owe on a monthly basis will be merged into one monthly payment. However, no loans are involved. With a debt management program in Bountiful, your credit counseling agency will control paying the credit card companies each month. Pretty much all you have to do is supply them with a single payment on a monthly basis.

Settlement vs Credit Counseling in Bountiful, UT

Credit Counseling Bountiful UT

Please remember that credit counseling programs can help you clear your debts in less time and at a more affordable interest rate, but you still will pay back your entire debt plus interest. Though a debt settlement would cut back what you have to pay off, it may wreck your credit.

Selecting a Credit Counseling Company: Bountiful, UT

Credit Counseling Bountiful UT

On the whole, credit counseling has been checked out by the Federal Trade Commission (FTC) and other state and federal authorities, but good credit counselors in Bountiful and across the nation will usually grant you:

  • Close to 1 Hour of Preliminary Counseling
  • Zero Advance Charges
  • A Written List of Action Items
  • Certification Qualifications

For more information, look at this FTC write-up on the topic.

Naturally, we can assist you in finding the perfect credit counseling or debt management program based upon your specific situation.

With credit counseling, you still have to repay 100% of your debt. Fortunately, your credit counseling specialist normally can negotiate cheaper rates of interest and service fees.

A brief analysis of your financial situation is necessary to provide a precise savings estimate.

Non-Profit Credit Counseling Service in Bountiful, UT

Consumer Credit Counseling Bountiful UT

In Bountiful CCCS, which stands for Consumer Credit Counseling Service, may provide cheap credit counseling for Bountiful families. In Bountiful, Utah, a Consumer Credit Counseling Service will usually be:

  • Not For Profit
  • Affiliated with the NFCC (National Foundation for Credit Counseling)
  • Qualified by the Department of Housing and Urban Development (HUD)
  • Accredited by The COA
  • Member of the BBB

Often a CCCS agency will make available Bountiful bankruptcy counseling for Bountiful residents, not to mention housing assistance and credit report counseling sessions. Keep in mind that not for profit credit counseling in Bountiful, UT, doesn’t imply no charge. Be prepared to fork out around $35 on a monthly basis.

To locate the CCCS office that’s closest to Bountiful, UT, please have a look at the listing of Bountiful credit counseling services we provide. If you don’t see one, you can use the NCFF’s agency directory:

>> Talk with a Credit Professional Now

Credit and Debt Counseling: Bountiful, UT

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