Credit Counseling

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Credit Counseling

Credit counseling is a process where debtors are assisted with debt settlement by providing basic financial education on money management by a non-profit organization known as a credit counselor. The main objective of credit counseling is to provide guidance and help on debt management and make debtors avoid bankruptcy.

How Does Credit Counselor Works?

Credit counselors work on a basic principle of providing you the best possible options available that can give you relief from the financial pressure that you are going through. Below are some of the ways how a creditor counselor works:

  • Firstly, they review your credit report
  • Secondly, they would offer you solutions in your current state of financial problems
  • Thirdly, they advise you on managing your debts
  • Lastly, they form a personalized plan to help you from future financial hurdles
Credit Counseling
How to Choose a Credit Counselor?

There are plenty of companies that claim to help you come out of your debt and financial struggle. A lot of them can also be a scam and you should always be cautious and choose the one who fulfills the following criteria:

  • Check whether the credit counseling agency is accredited by the National Foundation for Credit Counseling.
  • Verify the counselor with Better Business Bureau and find if the company is trustable or its in good position.
  • Last but not least, always look for an agency that you find comfortable to talk with.

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Applying Does NOT Affect Your Credit Score

We are registered with Utah's Department of Financial Institution to provide Consumer Credit. If you submit this application via the internet to us, we will receive and process it the same as if you submitted it to us in person thereby making Utah the place of negotiation, execution and performance of all applications and/or agreement. If we approve your application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. Applicant is responsible for complying with all statutory obligations regarding obtaining loans by internet that may exist in their state of residence. This service may or may not be available in your particular state.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day which is usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday-Thursday: 7:00 AM to 4:30 PM (CST) or email to

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