Philadelphia, PA -- (SBWIRE) -- 01/01/2019 -- Quality Credit Repair understands that although the new year can be filled with promise and planning for the future, it can also be a sobering experience for the millions of Americans who realize they have fallen into significant credit card debt from holiday shopping. The premier credit counseling agency serving Bucks County, PA is advising these Americans not to rely on their tax refunds to fully pay off their credit card debt.

Because the process of properly preparing a tax return can take some time, it can cause individuals to go further into debt simply because of the interest they are incurring on their debt. This is especially true for credit cards with high interest rates. And as these individuals fall further into debt over this time, their credit score can decline drastically.

Additionally, in the rush to quickly process their tax return, many individuals can actually cost themselves money in the long run. This is because in their hurry, people will often turn to potentially questionable practices or unskilled tax preparers. Not only can this cause errors on their taxes, but by not using a professional, they may be missing out on credits and deductions which could save them money.

While it's certainly beneficial to allocate money from a tax refund towards holiday credit card debt, individuals should not rely on it to completely bail them out. By setting up a strict budget for the first quarter of the year, it can be easier to manage debt and begin paying it off.

Quality Credit Repair features a team of trusted debt consolidation and management specialists who can customize repayment plans to help their clients get back on their feet and finally break the cycle of debt.

For more information on their credit counseling services in Philadelphia, call 215-613-8130 or visit https://www.qualitycreditrepair.com/ today.

About Quality Credit Repair
Quality Credit Repair works to help clients better their credit score and ensure they receive the most accurate credit reports. Their dedicated and highly trained consultants have over 20 years of experience resolving credit related issues. They will review a client's credit report and highlight areas that are harming the scores. The consultant will also layout changes the individual can make to better their credit. The company helps build credit by recommending the opening of secured accounts with certain, trusted lenders. Their services are available to clients anywhere in the country.

For more information, please visit http://www.qualitycreditrepair.com/.