 
About Credit Counseling Services
Vital to anyone's financial health includes proper budgeting, investment and debt payment plans. Credit counseling services can provide a wealth of information
and services to those who find themselves in financial crisis or are simply unable to accurately prepare budgets on their own.
At Credit Heaven, we do not expect you to have to read books, watch videos, or complete any 'tests' or 'quizzes'. We are not only available to you for any questions you may have, but we also analyze your credit repairs so that we can determine and advise you about what other factors are or may be negatively affecting your credit rating. We can help show you what you need to do about them, or how to best deal with them. Your Credit Repair Program with Credit Heaven will not be reported to any of the credit reporting agencies!
Our goal is to get your credit back, and to help you keep it on the right track!
Credit Counseling Services also provide help to those facing foreclosures, collections agencies and other financial crises.
They will usually work out realistic budgets based on current income and debt, and even contact creditors to work our realistic debt repayment plans. Usually these debt repayment plans work by an individual making monthly payments to the credit counseling service, who then pays the creditors according to a mutually agreed upon debt repayment plan.
Repayment plans can cover various time periods, from several months to several years. Credit counseling services will inform you of the dates that apply to your particular repayment schedule.
How a debt repayment plan affects credit history
Nothing and no one can erase accurate credit history information from a credit report. Creditors usually report to credit reporting agencies about the credit accounts being handled through a debt repayment plan, including any concessions provided.
Home loans and mortgages, as well as car loans, are often not included in debt repayment plans. The reason for this is because these types of credit are considered "secured". Secured means that, in the example of automobiles, delayed payment allows a creditor to repossess the automobile. With a mortgage, default can lead to foreclosure.
Similar rules governing credit repair companies also apply to credit repair organizations. Read about rules governing credit repair services.
The Federal Trade Commission offers a wealth of information and advice about credit repair and credit repair organizations.
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