A credit counseling agency can't directly help you create a positive credit history, but it can help you better understand and improve your spending habits. Fixing bad credit is a mental battle, and people who struggle to break the cycle of poor credit habits can benefit from a credit counselor.nnWorking with a credit counseling agency can help you get to the root causes of your debt, such as spending more than you're making or living beyond your needs. You can use those insights to create a plan of action to pay off debt and repair credit.