Does Credit Counseling Affect Credit Score?

September 04, 2015 /315


At ScoreCure, we’re often shocked to find out how many of our clients are scared about asking for help, simply because they are worried that even asking for credit counseling could harm their credit scores. Understandably, credit counseling does have a stigma against it. After all, most people don’t think that you’d need credit score counseling if you actually had good credit. If you were a part of a credit bureau, you would probably suggest that a call to a credit counseling service should mean a deduction of points. Credit scores are about how reliable a debtor is, right?


Well, credit scores do indeed supply a numerical measure to how reliable a consumer is with their monthly payments. However, they do not use credit counseling as a way to determine whether or not you are actually going to be able to pay monthly bills. There are several reasons why bureaus don’t do this.


  • Well off people get credit counseling, too. It’s not only people with bad credit who get counseling, though it is the majority. Sometimes, it’s just people who had bad luck and had an ID theft happen. Other times, it’s the elite who want to get an AmEx Centurion Card and can’t quite get the invite yet. Credit counseling is used too frequently and across too many different spectrums to really make it a full-fledged warning sign.

  • Credit bureaus generally want to make it somewhat easy for people to turn over a new leaf. Why punish people for turning over a new leaf? Credit score bureaus are supposed to be fair, you know. Nothing is fair if it doesn’t give you the benefit of a doubt.

  • At times, even credit bureaus believe that some professional help can be necessary and beneficial. There are times when a professional’s touch can help smoothe out problems that would have otherwise been left to stew – and credit bureau workers know this quite well. So, they are not going to judge.

  • Credit score is a measurement of how likely it is that you will be able to pay your debt incurred regularly and on time. Going to counseling doesn’t suggest that you will be unable to pay your monthly bills by next year. In fact, you can’t really glean much of anything from counseling aside from the fact that you are going to counseling to try to improve your credit score.


As counterintuitive as it may be, credit bureaus do not take into account whether or not you receive credit counseling. In other words, there’s really no risk to your credit score by reaching out for help, or even accepting the help that you can get from them. All in all, you really have nothing to lose. So, why aren’t you getting the help that you need?  

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