The credit counselors and housing counselors at Cambridge Credit Counseling are among the most experienced, dedicated, and highly trained individuals in the profession. Our counselors undergo extensive training and continuing education in order for them to provide consumers with the expertise they need to help them with their particular situation. Moreover, a majority of our counselors hold certifications in multiple areas, giving our professionals a broader range of knowledge and experience to better help consumers. As a member agency of the Association for Independent Consumer Credit Counseling Agencies (AICCCA), and as a HUD-Approved Housing Counseling Agency, we are required to ensure all of our counselors are certified by an independent third-party, and that they maintain these certifications through continuing education.
If you have any questions regarding our credit counselor certifications, please call (413) 241-2401 or click here to email our Compliance Manager. To learn more about our housing counselor certifications, please call (800) 757-1788, ext. 5131, or click here to email our Housing Director.
To learn more about our individual credit counselor and housing counselor certifications, please click here to go to our Meet Our Counselors page.
The ISO 9001 quality standard ensures that our agency developes, incorporates, and continually improves our quality management system. This system ensures continual improvement of all aspects of our services, with a strict focus on customer satisfaction. Cambridge has been an ISO 9001 registered agency since 2001, is audited by a third-party on an annual basis, and has yet to receive a single finding of non-conformance.
For more information about Cambridge's ISO 9001 certification, please click here to email our Quality Assurance Manager.
FCAA Code of Practice
The Association of Independent Consumer Credit Counseling Agencies (AICCCA) is comprised of over 30 credit counseling agencies across the country. This trade association has published a "Code of Practice", which its member agencies must adhere. AICCCA's Code of Practice is an addendum to the ISO 9001:2000 Quality Standard and focuses on the implementation of high ethical standards when assisting credit counseling consumers.
The Code of Practices focuses on such topics as Access to Service, Community Education, Counselor Training, Service Resources and Requirements, Compensation and Fee restrictions, Fiscal Integrity, Legal Status and Governance, and Complaint/Conflict Resolution.
Credit Counseling Certifications
AFCPE Certified Credit Counselor
The Association for Financial Counseling and Planning Education (AFCPE) is a nonprofit, professional organization deciated to educating, training, and certifying financial counselors and educators. Certified individuals must meet education, experience, and ethical requirements. In addition, continuing education and annual fees are required to maintain a certificate.
The Financial Counseling certification program, which some of Cambridge's counselors are certified to, examines the components of financial counseling, including counseling, budgeting, debt reduction, collection policies and practices, bankruptcy, government assistance programs and standards of practice.
PFE Certified Debt Management Professional
The PFE (Partnership for Financial Education) Certified Debt Management Professional (CDMP) is one of the certifications that our credit counselors obtain and it helps to ensure our credit counselors have thorough knowledge and the expertise needed to properly counsel clients and administer debt management plans.
Housing Counseling Certifications
NCHEC Certified Housing Counselor
The NeighborWorks America Housing Counselor certification is achieved by completing courses of study in housing counseling principles and foreclosure basics. Counselors who acquire this certificate must pass all written examinations and endorse the National Industry Standards for Homeownership. Once certified, annual continuing education is required in order for the counselors to maintain their certificates.
NCHEC Certified Foreclosure Counselor
The NeighborWorks America Foreclosure Intervention Counselor certification is achieved by completing specific courses of study in topics such as Foreclosure Intervention and Default Counseling, Advanced Foreclosure, and Developing and Implementing an Effective Foreclosure Program. Counselors who acquire this certificate must pass all written examinations and endorse the National Industry Standards for Homeownership. Once certified, annual continuing education is required in order for the counselors to maintain their certificates.
HUD-Approved HECM Counselor
In order to qualify for placement on HUD’s HECM Counselor Roster, counselors must be thoroughly trained, tested and pass background checks as well as achieve a qualifying score on HUD’s HECM Counselor Exam. Additionally, in order to retain an active status on the roster, counselors must complete continuing education requirements every two years and pass HUD’s HECM Counselor Exam every three years.