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Will credit counseling hurt your FICO score?

Testimonials

"I first want to thank you for everything you did today to follow up on my account. I can not express what a great feeling it is to know that I have paid my balance in full. I walked into the Credit Counselors Corp offece on December 17, 2005. This was the lowest point financially for me. I had done research and talked to many other credit counseling companies. I was treated badly in many cases, but when I walked into your office I was treated with respect and given encouragement on my situation. Each and everytime I called your office my experiece was the same. No matter who I spoke with I was met with a courteous and respectful representitive. Today in my final experience I was once again treated with respect and really felt that my situation was important. Thank you again for everything!"

Susan C.
Carmel, IN

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Are you struggling with your bills? Are your interest rates too high? Need help creating and maintaining a budget? Apply Now to let one of our counselors see what option is best suited to meet your individual needs, goals and circumstances.

What's Not in Your FICO® Score

FICO scores consider a wide range of information on your credit report. However, they do not consider:

Whether or not you are participating in a credit counseling of any kind.
Your race, color, religion, national origin, sex and marital status.
US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act.
Your age.
Other types of scores may consider your age, but FICO scores don't.
Your salary, occupation, title, employer, date employed or employment history.
Lenders may consider this information, however, as may other types of scores.
Where you live.
Any interest rate being charged on a particular credit card or other account.
Any items reported as child/family support obligations or rental agreements.
Certain types of inquiries (requests for your credit report).
The score does not count “consumer-initiated” inquiries – requests you have made for your credit report, in order to check it. It also does not count “promotional inquiries” – requests made by lenders in order to make you a “pre-approved” credit offer – or “administrative inquiries” – requests made by lenders to review your account with them. Requests that are marked as coming from employers are not counted either.
Any information not found in your credit report.
Any information that is not proven to be predictive of future credit performance.

Source: myFICO.com