Advantage Credit Counseling Service, Inc.

Credit Report ReviewService

A certified counselor explains what is on your credit report and how your credit score works. The counselor also shows you how to fix errors and may offer ideas to improve your credit. It is not credit repair.

Debt Management ProgramProgram

After a free counseling session, a counselor may set up a repayment plan with your credit card and other unsecured creditors. You make one monthly payment to the agency, which pays your creditors. The plan can lower interest and fees.

Financial Education ResourcesProgram

The agency's website has articles, a blog, calculators, and online budget and goal-tracking tools. They cover budgeting, credit, and debt.

Foreclosure Prevention CounselingService

Housing counselors help homeowners who are behind on their mortgage. They explain foreclosure, speak with lenders, and sometimes build a budget. The page says this is for Pennsylvania residents only.

One-on-One Budget and Debt ReviewService

A certified counselor goes over your income, bills, and debts with you. Together you make a monthly spending plan and look at ways to get control of your money. You can do it online, by phone, or in person.

Pre-Discharge Bankruptcy Education ClassService

A class for people near the end of bankruptcy. It covers budgets, managing money, and using credit wisely. You get a pre-discharge certificate after finishing.

Pre-Filing Bankruptcy CounselingService

Federal law requires this counseling session before you file for personal bankruptcy. A counselor reviews your money and options, and you get a certificate when done. You can do it online, by phone, or in person.

Pre-Purchase Housing CounselingService

Housing counselors help people get ready to buy a home. They explain the loan process, mortgage choices, and insurance needs. The agency also mentions home buying workshops.