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What Is the Difference Between Credit Restoration and Credit Counseling?

There are varied ways to deal with debt problems and several different measures that might be taken as you look to regain financial stability. However, if you lack a proper understanding of your options, you might not be doing everything you can to get back on your feet. Many people facing heavy debt ask whether credit repair or credit counseling is the right answer. The two options are not mutually exclusive and both have benefits.

Credit counseling can be a positive way to learn about household budgeting but it lacks several key aspects of a comprehensive credit restoration program. Many credit counselors work on a nonprofit basis and offer advice on specific types of challenges that people face while under financial stress. You might learn about programs to manage your student loan or mortgage debt from a counselor.

However, if you need someone to negotiate with creditors to bring down existing obligations, take on credit bureau errors or push back against the illegal practices of collection agencies, finding a debt defense attorney is a good first step. Working with an attorney who understands credit repair and restoration techniques not only sets you up for the future but can help you right now.

Credit repair and credit restoration are similar terms but there are some significant differences. When you retain someone to perform credit repair, they can identify mistakes in the reports compiled by the three major credit bureaus, TransUnion, Equifax and Experian. These can include debts that were actually paid up and items that no longer should be listed because of the amount of time that has passed.

Credit restoration goes a step further. Through this process, an attorney challenges credit bureau data and issues cease-and-desist letters if incorrect reports are being used against you. Bankruptcy might also be a means of re-establishing a favorable credit score. Whatever the best solution entails, a credit restoration attorney can do much more than counsel you regarding ways to stay out of debt in the future.

The Law Office of David A. Fernandez, P.C. is a Houston firm that has strong track record of helping Texans repair and restore their credit. If the credit bureaus are hurting your ability to get a loan, rent an apartment or live the way you want, please call 713-893-8509 or contact us online to schedule a free initial consultation.

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