If you have been struggling to get rid of harassing creditors, then online credit counseling may be the way to go.  Online credit counseling can be purchased, but there are also free and non-profit organizations available.  You can go to a credit counselor if you like, but going in to see a counselor face to face can be embarrassing, and you may lose some confidentiality over time as people tend to get to know you and talk. Online credit counseling is a convenient and flexible way for you to to get personalized, and more importantly, completely confidential assistance.  It is important to realize the difference between credit counseling and credit repair services, as credit counseling only gives you information and helps you develop a plan on how to repair your credit, whereas credit repair services actually help you do some or all of the work.

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