The honest answer is that it depends -- on your goals, your situation and how much work you need to be done. We look at you as an individual and build your own personal Game Plan accordingly.

The cost to start taking control of your credit is a simple one time payment of $250 then only $99.00 per month after that. - it’s that straightforward.

A credit bureau - sometimes called a "consumer reporting agency" - is a business that collects relevant consumer information from creditors and courthouses, and then sells that information to interested parties such as potential lenders. Such information is sold in the form of a credit report. In the U.S., the three major credit bureaus are TransUnion, Experian, and Equifax.

On average it takes about 3 to 5 months to get your credit back on track. Many of our competitors will attempt to string you along for 24 to 36 months. The reality that is not necessary. Credit counseling can happen much faster than that when done correctly.

ECS focuses on how your credit reports look. In other words, they work to help you safeguard your financial reputation so that you can get the credit you deserve. On the other hand, debt settlement companies offer something very different – they negotiate with your creditors to create payment plans. Sadly, sometimes those debt negotiators can make your credit reports look even worse. Credit counseling is unique. Rather than settling your debts, they work to help ensure that problematic negative items on your credit report are substantiated, relevant, accurate and reported fairly.