Advantage Credit Counseling Service

2.8

Overall Score

14 User Reviews

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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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#49 Advantage Credit Counseling Service Logo Advantage Credit Counseling Service

2.8

Overall
Score

14 User Reviews

The Good

  • Years of Industry Experience
  • Trusted Company
  • Educational Tools and Online Resources
  • Available in All 50 States

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.

Educational Tools and 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.

Available in All 50 States

Advantage Credit Counseling Service is available in all 50 states. Many competitors have limited availability. 

The Bad

  • No Money-Back Guarantee
  • No Contract

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. 

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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