Credit Advocates is a non-profit, licensed, and fully accredited consumer credit counseling agency. We carry an A+ rating with the better business bureau. Credit Advocates is also an approved provider of pre-bankruptcy counseling. In addition, Credit Advocates is a HUD-approved housing counseling agency. Whether you’re interested in reducing payments and high interest on credit cards, creating a budget, receiving housing or credit counseling, even improving your credit report, Credit Advocates can help. We serve clients in the States of New York, Massachusetts, Ohio, and Florida.