How does credit counseling help people?
How does credit counseling help people?
user
Credit counseling helps people to repair their credit score, and to create a better overall financial picture.
assistant
Is it worth it?
user
For some people, I think it can be.  The way I understand it, credit counseling helps people with many different kinds of issues, and depending on how much it can help people with the problems that they have, it can be worth the time and money.  For example, some people have problems with fraud, which might mean they can’t get approved for a loan, or they can’t find credit cards that they can afford.  In those situations, getting financial counseling to help fix the fraud problem would be valuable.  Other people might need help creating a better budget or to develop a better understanding of credit.
assistant
So they pay their creditors and it helps them to look better then?
user