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What is Credit Counseling?



Credit counseling is a service offered to people with excessive debts as an alternative to bankruptcy. A credit counselor will work with you one-on-one to provide financial education, credit analysis and a working budget. For most individuals who speak with a counselor and are serious about working their way out of debt, credit counseling can be a successful alternative to bankruptcy.
 

How Do I Know If I Need This Service?

It may be beneficial to further explore credit counseling if you find your debt is not decreasing, you are struggling to make your minimum loan payments, you are near or over your credit limit, or if you are consistently receiving collection calls.  

If you are having financial difficulty managing debt and you are interested in credit counseling, you may visit the Department of Justice website for a list of Credit Counseling Agencies Approved Pursuant to 11 U.S.C. § 111.

 
 
 
Please Note:
 
SCCU is not a credit counseling agency and cannot provide credit counseling advice. There are, however, resources available to members who may have a need for this service: 
 
600 Pennsylvania Avenue, NW
Washington, DC 20580
Phone: (202) 326-2222
 
PO Box 2900
Clinton, IA 52733-2900
Phone: (855) 411-2372
 
  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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