No credit, bad credit ..... So where do you go from here? Choosing a credit counseling agency could be an option. However, BBB warns you to take the time and find a reputable agency. Remember, just because an agency has a large advertising budget and you hear and see their advertisements daily, that doesn't mean they're the best and most reputable. BBB also warns you to ignore any phone calls or emails out of the blue from credit counselors as well. Reputable agencies rely on past client referrals, no TV and radio commercials. If a credit counseling agency is a route you want to take, contact your BBB for a list of Accredited Credit Counselors.