Examine any credit counseling service that you are considering, contact the better business bureau and ensure that they are in fact a reputable company. Keep in mind that just because they say they are, does not always mean it is true. This step is extremely important, because you will be providing the credit counselor with all of your private information such as social security numbers, credit card accounts, and other such private matters that you should be very protective of. Do not just hand over this information to just anyone, do your homework and find a company that has a solid history.