Credit counseling agencies are almost always non-profit organizations that typically do not charge upfront fees for their work. (debtconsolidation.com)
No closing cost refinance is a transaction where you don't have to pay upfront fees of any sort. (refinanceguide.org)
Since credit repair companies are prohibited from charging upfront fees for work that has yet to be performed, the fee charged to you each month will be for work completed the month prior. (creditinfocenter.com)