For example, your credit counselor will benefit from knowing your credit score. You’ll want to bring recent financial paperwork with you so that your credit counselor can get a snapshot of your current financial situation. Once you find a reputable Connecticut nonprofit organization that seems like a good fit, you’ll want to ask that agency a few questions so you can prepare for (and fully take advantage of) your financial counseling session.īefore you arrive for your credit counseling session, take a little time to get your important financial documents in order. How To Get Free Credit Counseling in Connecticutīefore you commit to a free Connecticut credit counseling session, you’ll need to do some research to identify the consumer credit counseling organization that will best fit your needs. As a result, scheduling a Connecticut credit counseling from a reputable, accredited agency is usually a worthwhile investment of time and energy. It’s important to choose nonprofit credit counseling services accredited by the National Foundation for Credit Counseling as for-profit companies are more likely to try to “sell” debt settlement services that are often very risky and don’t guarantee benefits for participants.īy contrast, nonprofit credit counseling agencies across the United States that are accredited by the NFCC and employ certified credit counselors provide financial guidance that seeks to support consumers, not the bottom line of an organization. Whether you ultimately choose to follow these recommendations is completely up to you. If you could benefit from lower monthly payments to your creditors, fewer monthly fees or late fees, a streamlined approach to debt repayment, or debt relief, your counselor may recommend that you explore additional debt counseling, a debt management plan, debt consolidation, or bankruptcy counseling. This action plan will contain informed recommendations for “next steps” toward achieving your financial goals. At the end of your counseling session, your Connecticut credit counselor will provide you with a personalized action plan. When you meet with a Connecticut credit counselor, you’ll be asked about your income, expenses, debt, financial goals, and any financial problems you may be struggling with. While it can be especially helpful to speak with a Connecticut credit counselor in-person, some credit counseling organizations offer personal finance sessions over the phone or online for those who can’t (or prefer not to) meet face-to-face. Generally, a free Connecticut credit counseling session will last anywhere from 45-60 minutes. Many nonprofit credit counseling agencies in Connecticut offer a free consumer credit counseling session to anyone who can benefit from informed financial guidance. If you’re struggling to manage your expenses or you’re having trouble managing your debt, know that you can benefit from informed financial advice at no cost. How To Get Free Credit Counseling in Connecticut.
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