 TITLE: How Does Debt Counseling Work? CONTENT: Keeping Wise Counsel\n--------------------\nCredit is a powerful financial tool, one that's worth keeping sharp over time. Working with a debt counseling agency can help you better understand your finances—and the choices you have for improving your financial health. As you work on paying off your debts and improving your credit, you can access your Experian credit report and score to track your progress, or consider free credit monitoring to help you stay on top of changes as they occur. END