Credit counseling does not always work and may actually make your credit score worse. There are no quick fixes to raise credit scores and just pay your bills.
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A good way to raise your credit score, is to get a credit card with a limit on it, and only use about $10 a month on it, and pay it back immediately. This will help to raise your credit score gradually.
The fastest way to raise your credit score is to pay off all of your outstanding credit card debts and any non-collateralized personal loans. After two (2) months, the status of zero balances across many products will raise your credit score. Now, if your credit score is low because of missed payments, judgments, writeoffs, etc., doing the above will raise your score, but not to a level where you will find it easy to obtain new credit instruments.
Need to contact the creditor to find out why they are not posting to the Credit agencies.
One can find a credit counseling program online by searching credit counseling program. There are many programs out there, each offering different solutions.
There are a number of sites one can visit to get advice on credit counseling. One can find such advice at the 'National Foundation for Credit Counseling' or 'Better Business Bureau' who have a good advice on choosing a credit counseling agent.