Consumers should consider working with a financial counselor when they face significant life changes or challenges that may impact their credit, such as buying a home, switching jobs, or getting married. A financial counselor can provide tailored advice to improve credit ratings, which can save thousands in interest over time. It's especially beneficial to consult a counselor before making major financial decisions, as many people mistakenly rely on realtors or loan officers who may not have the expertise in credit issues. Additionally, those experiencing relationship difficulties or divorce can gain valuable insights into managing credit responsibilities. Even recent graduates or those just starting their careers can benefit from understanding credit-building strategies. While many seek help during crises, proactive engagement with a counselor can lead to better financial habits and improved credit scores. Misconceptions about the cost and necessity of counseling should not deter individuals from seeking assistance, as many counselors offer affordable or free services.
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