Sometimes having a third party help you navigate difficult waters can be very beneficial. Rather than a financial advisor, we think you should look for a reputable credit counselor. The National Federation for Credit Counseling (www.nfcc.org) is a great place to start. Visit their website and you’ll find a tool to help you locate a counselor near you. If you decide to go it alone on your path to improving your credit score, there’s a ton of information available online. One of our favorite sites is the education center at www.myfico.com.