In most cases, nonprofit credit counseling will not hurt your FICO credit score. If you are currently facing debt or credit problems, it is often helpful to seek credit counseling to assist you in overcoming these difficulties. When considering credit counseling, it is important that you realize that there is a difference between non-profit credit counseling services, and for profit debt settlement services. Both have their uses and can be helpful, and it is recommended that you research a variety of these services before making a decision on which to use.

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