 TITLE: Can Credit Counseling Hurt Your Credit? CONTENT: How to Find a Good Credit Counselor\n-----------------------------------\nIf you've decided that credit counseling is right for you or you want to consult with a counselor about your situation, it's important to find a good credit one who has your best interests at heart. In general, steer clear of for-profit credit counseling agencies. Nonprofit agencies are more likely to charge lower fees and provide unbiased advice.\nThe first step is to make sure the credit counseling agency is certified. You can find these agencies through any of the following:\n*   The National Foundation for Credit Counseling\n*   The Financial Counseling Association of America\n*   The U.S. Trustee Program\n*   Your state's attorney general's office\n*   Your local consumer protection agency\nOnce you find a credit counselor, set up a meeting to talk about your situation and ask for advice. A good credit counselor will analyze your full financial picture before making any recommendations. If they recommend a debt management plan without this step, it may be a red flag.\nBecause debt management plans can last as long as five years, it's important to take your time with this part of the process to make sure you find the right fit. Once you find a counselor you feel comfortable with, you can proceed with the next steps. END