Credit Counseling

As you consider your credit card debt options, it would be in your best interest to engage a qualified personal finance expert to help you along the way. Let an NFCC-certified consumer credit counselor help you understand your options, review your budget, and work with you to come up with a plan to reduce or pay off your debt.

Talk to a Credit Counselor ››

Nonprofit Consumer Credit Counseling’s consumer credit counselors provide nonprofit personal finance educations to individuals for FREE. Our credit counselors are certified by the National Foundation for Credit Counseling (NFCC). NFCC-certified consumer credit counselors are trained to teach you effective ways to reduce and manage your credit and debt. provides these services to you with integrity, quality, excellence and compassion.

Consumer Credit Counseling Service (CCCS) companies have personal finance resources and budgeting tools to quickly understand the severity of an individual’s credit and debt hardship. During a credit counseling session, we use our internal resources and tools to help you create an action plan to obtain debt relief. Your counseling session is confidential and subjected to rigorous quality assurance standards. We are experts at helping you develop a realistic household budget to pay-down credit and debt.

Your counselor will review your personal finances with you, and offer expert personal finance and household budgeting advice tailored to your unique situation. Individuals enrolled with for credit counseling have access to our free financial educational materials with proven personal finance tips that have helped millions of people become debt free with us since 1974. Talk to a credit counselor to enroll today or scroll down to continue reading about our consumer credit counseling services.

Our Consumer Credit Counseling Top Quality Standards

Spingboard’s nonprofit consumer credit counseling services are not the same as other for-profit companies offering credit counseling. For-profit companies are usually selling debt settlements, or they may end up trying to convince you to refinance your home to pay down your current unsecured credit and debts.’s nonprofit consumer credit counseling services are designed to help you consider all of your options — so you can make an informed decision about how to address your credit and debt hardship. Our credit counseling services are confidential and subjected to rigorous quality assurance standards. Click here to verify our A Rating with the Better Business Bureau.

Our Consumer Credit Counseling Industry Accreditation

You’ve probably seen the CarFax commercials encouraging the used car dealership to “show me the CarFax” before buying a used car. Well, in the Consumer Credit Counseling Services industry, we encourage you to say, “Show me the Accreditation” to credit counseling, debt settlement or financial service companies you’re considering for credit and debt assistance. is accredited by the Council on Accreditation (COA). To become accredited by the COA, companies must undergo an extensive review process by an independent audit group to insure the organization is providing the best possible nonprofit financial education service to the community. Click here to read more about the Council on Accreditation.

Our NFCC Consumer Credit Counseling Service Policy is a long serving member of the National Foundation for Credit Counseling (NFCC). Members of the NFCC must meet the NFCC’s high standards for agency accreditation, counselor certification and policies that ensure free or low-cost confidential services.

With help from grants and donations, proudly offers free or low-coast credit counseling services to individuals and families in need of personal finance assistance. Since 1974, our NFCC-certified consumer credit counselors have helped over 5.2 million people pay-down credit and debt and gain control of their personal finances. If you need credit and debt help from a trusted company, give our NFCC-certified consumer credit counselors a call at 1 (800) 431-8157.

Our Consumer Credit Counseling Internal Resource Library has promoted financial literacy in America for over 40 Years. Our people improve the lives and financial well-being of individuals and families by providing quality financial education and counseling.

As a result of our 35+ years in the Consumer Credit Counseling Service (CCCS) industry, our financial educators and credit counselors have access to our best-in-class internal library of financial education tips, household budgeting strategies and credit card best-practices.

We’ve publishing some of our favorite financial education articles online. To read them, please visit our new Learning Center. The Learning Center’s education articles will teach you valuable money management tips. We also encourage you to take our FREE personal finance online courses. If you pass, you’ll even receive a document of achievement. Good luck!