Why Choose Us

We Have 9 Great Reasons Why You Should Choose Advantage CCS:


1. We’re a Non-Profit Organization, 100% Committed to Supporting You

As a non-profit 501(c)3 organization, you can count on us to perform as your advocate. We’re not here to sell you anything – rather, we are completely focused on educating and preparing you to improve your money management habits and to use credit more wisely. Our ultimate goal is to ensure that you have the education, tools, and support you need to move forward and regain control of your financial future.

2. Our Certified Counselors Have Been Helping People For Over 50 Years

Since 1968, Advantage Credit Counseling Services (ACCS) has helped over 1 million people from all walks of life overcome their financial troubles and achieve financial freedom. All of our credit counselors are certified through the National Foundation for Credit Counseling (NFCC). To become certified, our credit counselors are required to pass six NFCC certification exams that measure experience and tests counselors’ knowledge of credit and financial counseling. All communications you have with our team will always be completely confidential.

3. We Offer the Most Innovative Online Credit Counseling Tools in the Industry

It’s free, convenient, and confidential. No other tool in the industry is as robust, intelligent or intuitive as the one Advantage CCS offers. Best of all, it makes analyzing your full financial picture and identifying opportunities to improve your budgeting skills easier than ever. After we review your information, a certified counselor will contact you by phone or schedule a meeting in-person. With such a powerful credit counseling tool just a few clicks away, what are you waiting for?

Learn More About Our Online Credit Counseling Tool

4. Our Debt Management Program Is Completely Personalized

Because the first step for every client is to complete a free credit counseling session, we start by analyzing your full financial picture so that we can determine if a Debt Management Program is right for you. If so, we take that information and take the time to develop a plan that fits your budget and lifestyle. We’ll teach you money management skills that will last a lifetime, and in some cases, we’ll even contact your creditors for you so that you can make one simple payment to Advantage CCS each month. No matter your financial situation, we can make debt relief possible.

Learn More About Our Debt Management Program

5. Unlimited Access To Educational Tools

Whether you are an Advantage Credit Counseling Service client or not, Advantage CCS provides you with a wide array of educational tools necessary in developing a long-term plan for managing your finances and understanding ways to improve your credit. For example, we offer a Budgeting Basics workbook to assist you in establishing and following a personal budget for you and your family. Through our website, we provide information on topics such as money management, credit management, identity theft, understanding credit reports and scores, and ways to teach your children about money, etc.

Check out our Educational Resources page to browse through our full library. We also offer an educational and very interesting Blog with new posts added each week. Some of the topics included: Budgeting & Savings, Dealing with Debt, Housing Counseling, News, Understanding Credit, Premium Resources, and Miscellaneous. Click Here to see our Blog!

We are very active on social media as well. We can be found on Facebook, Twitter, Instagram, LinkedIn, Pinterest, and YouTube.

Our Facebook following is close to 50,000 and growing rapidly every single day: FACEBOOK

Check out our Twitter account for useful daily tips, suggestions, advice, and money-saving tricks: TWITTER

6. We’re A Fully Accredited Credit Counseling Agency

You can trust our team of compassionate professionals to be here to help you today, tomorrow, and for years to come. Advantage CCS continuously undergoes independent audits and is accredited by the Council on Accreditation (COA). Advantage CCS is a proud member of the National Foundation for Credit Counseling (NFCC) and the Better Business Bureau (BBB). We have an A+ Rating with the BBB. Advantage has been designated a certified comprehensive housing counseling agency by the U.S. Department of Housing and Urban Development (HUD).

You can read more about our full list of Affiliations here:

Learn More About Our Partners & Affiliations

7. Personalized Counseling To Meet Your Unique Needs

You will be in good hands with Advantage CCS. Our highly trained and certified credit counselors will be focused on strategies and solutions that are customized to your unique financial situation. We know there isn’t a one-size-fits-all solution to debt relief and financial challenges. Our counselors will take the time to listen and offer helpful suggestions and advice. The team is supportive, understanding, and non-judgmental. We understand that everyone faces financial hardships at some point in their lives, and we’re here to help you when that time comes.

8. Confidentially Is Everything To Us

We recognize the importance of protecting the personal information of each and every one of our clients, and it’s our policy to ensure that all client information is held in the strictest of confidence and never released to any third parties. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, secured files, and a very secure building. You can review our Privacy Policy here:

Learn More About Our Privacy Policy

9. Customer Reviews from Real Clients

Our clients have a lot of good things to say about Advantage Credit Counseling Service and all of our hard work. We asked previous clients to give us some feedback about their overall experience, and if they would recommend our Agency to their family and friends. We strive to provide the best credit counseling and debt management services possible, and we love getting feedback from our clients. Below are the customer reviews that we have received from some of our previous clients:

Read Our Customer Reviews