Seeking credit history repair services?

The only outside credit counseling service we recommend, if you absolutely must have one, is LSS Financial Counseling, with their website at www.cccs.org.

LSS is the Lutheran Social Service of Minnesota that serves everyone regardless of color, race, creed, national origin, religion, sex, disability, sexual orientation, or age.

They have offered credit counseling services for two decades, beginning in 1987, and are now among the largest full-service, community-based financial counseling service providers in the state of Minnesota.

Specially trained financial counselors are capable of working with consumers in need of financial counseling, especially people facing a financial crisis. LSS has statewide offices and counseling centers, but also serve the rest of the country via telephone and online counseling.

The stated mission of LSS Financial Counseling Service is "helping people to achieve financial peace of mind". This is achieved through effective and trustworthy counseling, as well as education and a commitment to ongoing advocacy, credit history repair services and excellence in client service.

LSS Financial Counseling, or CCCS, is a full member of the National Foundation for Credit Counseling. They are also part of the Better Business Bureau and are licensed by the Minnesota Department of Commerce. They have been fully accredited by the Council for Accreditation for Children and Family Services.

They employ certified financial counselors, certified through the National Foundation for Credit Counseling. Many of the counseling staff members also have certification in housing counseling, foreclosure prevention, credit history repair and reverse mortgage counseling.

Their credit history repair service assists clients in better understanding how to read a credit history report. Clients will also learn more about the makeup of their credit history score and they will better understand the reasons why managing credit is so important to ensure financial readiness.

The funding for LSS comes mainly from charitable and corporate grants>. Clients are charged fees for particular services, but LSS also receives contributions from the creditors participating in their debt management programs.

Creditors have a definite financial interest in getting paid and so many of these creditors make contributions to help fund these types of financial services.

Locations for LSS counseling centers are spread all over Minnesota, but anyone in the United States can contact them via phone and online. In-person financial counseling is offered at ten locations, Brainerd, Duluth, Eveleth, Hopkins, Mankato, Minneapolis, St Paul, University Of Minnesota, Willmar, and at Superior, WI. For appointments, consumers may call 888-577-2227.

LSS offers free debt relief counseling and affordable debt management programs. All potential costs and fees are listed clearly on their website.

Clients also receive a personal action plan that is tailor made to meet their individual needs. Actionable tools and resources are shared as well as credit counseling. Education on budgeting and credit history repair, as well as debt management, is also available.

For example, the LSS Budget Tools includes a budget planner that you can use to develop a spending plan, to guide you in the financial direction you want to follow.

In conclusion, clients can also benefit from an extensive FAQ section, in addition to a News and Useful Links section that links to various national resources such as the official site for obtaining a free annual credit report; information on the credit card industry, credit history repair, consumer protection, and so on.

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