One of the most prominent companies that exists today in the field of consumer credit counseling is CCCS Consumer Credit Counseling Services. CCCS has been providing consumer credit counseling services to clients for years and they have a proven track record for getting people out of debt and on the road towards financial freedom.
CCCS starts out by analyzing your current financial situation and then developing a personal financial assessment. This includes looking at your income, expenses, assets, and liabilities. After they have the big picture, they can start making suggestions on how you can get out of debt and start living your life financially stable and with a good credit record. Consumer credit counseling services like those offered by CCCS have become big business and they are a good option for people who have gotten themselves into financial trouble and don t know how to get out of it.
This company offers a plethora of advice and tools on their website that can help educate you about the bad habits that got you into financial trouble in the first place and then help you take steps to change your spending habits so that the trouble doesn t continue. CCCS is one of the first companies to offer these services and they have a great reputation in the financial industry.
Besides offering credit counseling, CCCS will also offer up educational workshops, community partnerships, and financial incentives that can not only teach you about the proper way to use credit, but also how to clean up any messes you ve made when it comes to your own credit and credit score.
Probably one of the handiest tools on their website which can be found at www.cccsintl.org is the financial worksheets that can help determine your debt to income ratio which can make a difference when you apply for a loan or a line of credit. See, what the financial institutions look at when they are deciding whether or not to give you a loan is whether or not you will have enough income to make the payments required to repay the loan. If your debt exceeds your income, you won t get the loan. This can be a very valuable tool as you will be able to look at your debts and try to find ways to cut down and conserve so that your income exceeds your debt instead of the other way around.
CCCS Consumer Credit Counseling Services is a great company that can help people of all walks of life both those with credit problems as well as those who want to prevent credit problems. Check them out and take advantage of all they have to offer to make your financial statement look as good as it can.
