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Advantage Credit Counseling Service, a national nonprofit credit counseling agency, has been around since 1968. Advantage Credit Counseling assists in the education of consumers in order to help consumers learn how to properly manage debt. Through Advantage Credit Counseling Service, people can gain the knowledge on how to responsibly use credit. The organization is a member of the National Foundation for Credit Counseling (NFCC).

As part of its nonprofit mission, Advantage Credit Counseling Service helps several thousands of people each year for free. Along with confidential credit counseling, Advantage also helps people with debt management and delivers community education presentations for free.

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$0 - $39

Advantage Credit Counseling Reviews |


The Good

Company Highlights

  • NFCC certified counselors
  • Available in all 50 states
  • Confidential counseling
  • Personalized debt management program
  • Educational tools

Years of Industry Experience

Advantage Credit Counseling Service has nearly 50 years of experience with close to 1 million people assisted in their journey to financial freedom. Not only does Advantage Credit Counseling Service have close to half a century of work, the agency’s certified counselors are required to prove the knowledge over a period of time through six different NFCC certification exams.

Trusted Company

Recognized by trusted organizations in the U.S., Advantage Credit Counseling Service maintains a good image due to its accreditations and memberships. Advantage Credit Counseling Service is a member of the NFCC. Advantage Credit Counseling Service also has the approval of the Executive Office of the United States Trustees (EOUST) to give bankruptcy certificates that are compliance with the Bankruptcy Code. Along with maintaining relationships of trust with nationally recognized organizations, Advantage Credit Counseling Service also maintains the trusts consumers have by keeping its counseling sessions confidential. Sessions are focused on helping consumers improve their financial situations without releasing information to the public.

Online Resources

Keeping with the times, Advantage Credit Counseling Service provides educational tool access to consumers. Consumers have access to tools that will teach them about budgeting, identity theft, and credit management. Parents can study the material with their children so entire families can learn how to properly manage finances.

The Bad

Company Drawbacks

  • Lacks money back guarantee
  • Not FCAA accredited

No Money-Back Guarantee

While Advantage Credit Counseling Service provides a great deal of free resources, the organization does not provide a money back guarantee on its paid services. Consumers who are disappointed in what they receive from Advantage Credit Counseling Service do not have the opportunity to receive a refund. This factor may be enough to turn away potential consumers who want to have full confidence in services rendered by Advantage Credit Counseling Service.

No Contract

Advantage Credit Counseling Service also does not have a contract/service agreement available for consumers looking to regain control of their finances. The reason why the lack of a contract is not preferable is there is the possibility of reduced accountability. There is nothing in writing for the consumer to fall back if Advantage Credit Counseling Service does meet the expectations of the consumer. Another reason why no contract is not good is the lack of safeguards as well as protection of personal information. If a consumer backs out of his/her verbal agreement with Advantage Credit Counseling Service, Advantage Credit Counseling Service is legally obligated to inform creditors. Doing so will increase the chances of keeping the consumer at their interest rates they had before working with Advantage Credit Counseling Service.

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The Bottom Line

At the end of the day, Advantage Credit Counseling Service has proven that it can withstand the test of several decades. It has been reliable to more than a million consumers since the 1960’s helping consumers improve their financial status and better manage debt.

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8 Advantage Credit Counseling Service Reviews

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    September 10th, 2015 Altoona, PA

    They negotiated well with my creditors. All collections stopped bothering us right away. We got a good plan and kept it and are free today after hard work. Everything was paid on time and according to plan. I trusted them and they did not disappoint. They helped me when we had an income change and kept all their promises.

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    August 21st, 2015 Johnstown, PA

    I really liked the way Advantage Credit Counseling helped me put together a plan. I am just sorry I have to opt out of your program

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    August 13th, 2015 Pittsburgh, PA

    Advantage Credit Counseling was very easy to deal with. Getting out of debt is not something that goes by quickly, but they were able to negotiate a payment that fit my budget so that I could pay off all my bills. I’m so glad I went with them.

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    August 12th, 2015 Indiana, PA

    I don’t think we would have ever gotten out of debt with ACC. Thank you!

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    July 13th, 2015 Erie, PA

    5 stars!!!

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    July 11th, 2015 Stone Mountain, GA

    I was told in the beginning that my plan would be 36 months but turned out to be 41

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    July 10th, 2015 Somerset, PA

    I have been very pleased with your service. All contacts were courteously received, the staff pleasant to speak with , and questions answered promptly. Thank you for your service.

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    July 9th, 2015 Uniontown, PA

    Can’t say enough good things about working with this company to get our finances back under control. We are excited to be completed with the program and hope to continue with the lessons we have learned along the way.

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