Get free information and advice from a credit counseling agency. Learn how to monitor spending, create a spending plan, and work towards your financial goals. By developing personal money management skills and learning to use credit wisely, a credit counseling agency will show you how you can build a solid foundation for your financial needs. Global Direct Services provides access to free information about Credit Counseling. Non-profit credit counseling will not hurt your FICO credit score. If you are currently facing debt or credit problems, it is often helpful to seek credit counseling to assist you in overcoming these difficulties. When considering credit counseling, it is important that you realize that there is a difference between non-profit credit counseling services, and for profit debt settlement services. Both have their uses and can be helpful, and it is recommended that you research a variety of these services before making a decision on which to use. Credit counseling generally refers to receiving professional advice from a credit counselor. Your credit counselor will work with you to determine the best financial options that fit your personal needs. Credit counseling services will generally advise you on managing your money, offer solutions to current credit or debt problems, and develop an individualized plan to help you prevent future credit problems. Credit counseling services can also often help you negotiate lower interest rates, and set up a debt reduction plan to allow you to pay off bills within a few years. Thankfully, the Internet is a great resource for finding credit counseling services. As always, it is recommended that you research and contact a few credit counseling services before you choose one to work with. You will want to find a credit counseling service that provides professional, personalized service and cares about helping you improve your financial situation. Be aware that not all credit counseling services are equal, and finding a trustworthy, reliable credit counselor should be your primary goal