Why is credit counseling so horrible? horrible?

Question by chant: Why is credit counseling so horrible? horrible?
I want to refinance my home and was told that credit counseling could be problem. I thought credit counseling would be a good thing because I’m trying to get bills paid off. The credit counseling company did not tell me that being enrolled in credit counseling would have a negative effect on my credit. How can I correct this? After talking with my mortgage broker he explained to me that credit counseling companies don’t tell you that being in credit counseling could be a problem. Credit counseling companies just want your money. HELP………..

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Answer by casper

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