[caption id="" align="aligncenter" width="450" caption=" "]Photo by Alan Cleaver[/caption]
It's a common misconception that entering a credit counseling program will ruin your credit scores. Unfortunately, this misunderstanding scares thousands of consumers away from a service they could really benefit from using before their credit problems get out of control.
It's easy understand why a lot people believe this credit myth, since it makes sense that meeting with a counselor indicates you might be experiencing difficulty with your credit and need guidance. If I were lending you money, like a credit card company does, that would worry me too.