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Credit Card And Financial. Are You In Need of Credit Counseling? 11 July 2015, 7:27 pm. How can a credit counselor help? One of the main goals of a credit counselor is to negotiate better terms with your creditors. A credit counselor will also try to enroll a consumer in a debt repayment plan, which can be used as a tool as you approach creditors to get better terms on your accounts. What exactly is a debt repayment plan or debt management plan? Has any lender ever denied you of credit? Another thing wor...

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