Santika Design Resources Credit Counselling Services

Credit Counselling Services

Whether you’re struggling to pay off debt or just need to set aside emergency savings, credit counselling services are available. There are both nonprofit and for-profit agencies, but it’s important to find a certified credit counselor who can provide you with financial education, review your budget and suggest solutions.

Best credit counselling services in Singapore will offer you a free session, and help you create a budget and develop plans to reach your financial goals. They can also scour your credit report to identify inaccuracies and help you improve your score. They may also recommend a debt management plan that will consolidate your debt into one manageable monthly payment. Credit counselors work with your creditors to lower your interest rates and lengthen the time you have to repay the debt. Unlike debt settlement companies, this arrangement doesn’t usually affect your taxes.

Top Benefits of Credit Counselling Services in Singapore

Some credit counselling services will charge a fee, though most are nonprofit and will charge a low or reasonable monthly service fee for the duration of your plan. Before you provide your personal information to a credit counseling company, check out the organization’s accreditation and certification, and read reviews. Avoid any counseling agencies that claim to have a “miracle cure” for debt, that are not transparent about their fees or that make exaggerated claims. They could be scams that are trying to take advantage of people in financial trouble. A legitimate credit counseling agency should also provide educational materials and workshops to help you learn better money management skills.

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