If the credit counseling services you plan on using makes promises that seem unrealistic, they probably are unrealistic. For example, if a credit counselor promises to rebuild your credit by removing accurate information from your credit report, they're not telling the truth. If they tell you that debt management programs won't affect your credit rating, pay heed because that too is untrue. An ethical credit counseling service will never make unethical or unrealistic promises. If they're credible, they want to help you but they won't lie to you. In general it's best to stay away from credit counseling services that guarantee they can remove your unsecured debt, require large monthly service fees, demand payment, tell you to stop making payments, require that you make monthly payments directly to them rather than to your creditor, or claim that they can remove negative information from your credit report.

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