 TITLE: How to Know Whether You Need a Credit Counselor CONTENT: Keep an Eye on Your Credit Score While Working With a Credit Counselor\n----------------------------------------------------------------------\nCredit counseling services are supposed to help you improve your credit and overall financial situation. So if you end up working with a credit counselor, regularly check your credit score to keep track of your progress.\nWatch out for any unexplained drops during the process. If you're on a debt management plan, closing credit card accounts can cause your credit utilization rate to spike, which can hurt your credit score. But if you notice any other sudden decreases, check your credit report to make sure your payments are being made on time and there's no fraudulent activity.\nAs you work with a reputable credit counselor and keep an eye on your credit score and reports, you'll be well on your way to a better financial life. END