Get help from MMi's experienced Credit Counselors
The expert Credit Counselors at Money Management International recommend consumers think about the big picture. If you are struggling with high interest credit card debt, the first priority should be to pay it off; and you may need to talk to one of our Credit Counselors.

During your confidential appointment with a trained Credit Counselor, you will develop a strategy based on your unique circumstances. Your Credit Counselor may even be able to negotiate a repayment plan with your creditors to reduce interest rates and stop collection efforts. On a plan, you make one consolidated monthly payment to Money Management International/CCCS that is disbursed to your creditors.

How working with Credit Counselors affects your credit score
According to Liz Pulliam Weston of MSN Money, the current FICO formula ignores any reference to help from a Credit Counselor that may be in your file. That’s been true for the last three years, after researchers at Fair, Isaac, the company that created the FICO scoring system, noticed that people getting working with Credit Counselors didn’t default on their debts any more often than anyone else.