Achieve Financial Freedom with Advantage Credit Counseling Services

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Advantage Credit Counseling Service, Inc. has been a trusted resource in the community since 1968.  Headquartered in the Southside of Pittsburgh, Advantage has recently expanded its footprint in Pennsylvania.  In addition to its satellite offices in Altoona, Erie, Greensburg, Harrisburg, and York, the agency now has locations in Pittston, State College, Stroudsburg and Williamsport.  We are also licensed and registered to perform our services in all 50 states by telephone or online.

As a non-profit 501(c)3 organization, you can count on us to perform as advocates. We’re not here to sell anything – rather, we are completely focused on educating and preparing you or someone you know to improve their money management habits and to use credit more wisely.


For Over 47 Years, Advantage Credit Counseling Services (ACCS) has helped nearly 1 million people from all walks of life overcome their financial troubles and achieve financial freedom. All of our credit counselors are certified through the National Foundation for Credit Counseling (NFCC).

The agency offers the following services at all of its office locations, over the phone or online:

  • Credit/Budget Counseling – Review income, expenses and debt with a certified credit counselor. This session may be needed for consumers struggling with unsecured debt or simply if a consumer needs assistance in managing a monthly budget.
  • Debt Management Program – A solution for consumers trying to deal with unsecured debt may be a debt management program. A debt management program consolidates unsecured debt into one monthly payment made to the agency and then disbursed to a consumer’s creditors.  This plan brings concessions from the major credit card providers.
  • Online Counseling Services
    • We offer the most innovative Online Credit Counseling Tools in the industry. It’s free, convenient, and confidential. No other tool in the industry is as robust, intelligent or intuitive as the one Advantage CCS offers. Best of all, it makes analyzing a full financial picture and identifying opportunities to improve budgeting skills easier than ever.
    • Online Budget Advisor program can assist a consumer with developing a budget and provides input on ways to better manage monthly income and expenses. It is interactive and includes a goal tracker tool.
  • Student Loan Counseling – Advantage now offers student loan counseling for consumers who are unsure how to manage their student loan debt, need a lower payment, or are coming out of deferment. The session includes developing a monthly budget, determining what the student loan obligations are and education on what options are available to manage the loans. Offered in office or by phone
  • Housing Counseling Services – Advantage’s certified housing counselors can help consumers learn about the home buying process through pre-purchase counseling or assist homeowners facing foreclosure with foreclosure assistance counseling. In addition, the agency can also counsel consumers 62 years of age or older who are considering a reverse mortgage.  Offered in office only.

Advantage CCS also offers financial literacy education programs to businesses and nonprofit organizations.  Advantage is accredited by the Council on Accreditation, licensed by the Pennsylvania Department of Banking and Securities and holds an A+ rating from the Better Business Bureau.  If you think the agency can assist you or someone you know, please contact us at 412-390-1300 or

Named #1 credit counseling agency in the country.

Customer Review:

Working with ACCS was a very positive experience. We met by phone on a Saturday for our counseling session. We didn’t have to miss any work for our call and appreciated how they would schedule based on our needs. The counselor was very friendly and extremely helpful. Not once did we feel ill at ease. We provided the counselor our credit card information and since she had worked with these companies before she could give us an estimate of what our payment would be. Within in [sic] a few days we received the paperwork and the payment structure. All of this was done with absolutely no obligation. We looked everything over and decided this is what we needed. We came into the program with a huge amount of credit card debt. Now almost 5 years later we have completed the program and couldn’t be happier. Our credit score has gone up and we are in the good to excellent range. We had zero problems the entire time we went through the program. I would highly recommend ACCS to anyone that wants to solve their debt problems. Not once did we feel embarrassed by the amount of debt we had or that we were asking for help. You can still keep your dignity while paying off your debt.
Stars: 5 out of 5
Rating: 10 out of 10