im trying to get my credit back on track should i contact those credit counselors?

In the long run, $ 2200 really isn’t a lot of debt. My advice would be to pay it off as soon as you can. (Without incurring other debt) Paying off your debts as quickly and as frequently as possible will greatly help your credit to get back on track.

Those credit counseling services are for people with much more debt than they can handle. What they do is contact your creditors to reduce your interest rate and/or extend the amount of time you have to pay off your debt. Some of them will have you send a payment to them, then they will pay your creditors.

HOWEVER, contacting credit counseling services generally doesn’t help your credit. It helps you from having to file bankrupty. The reason for this is they have renegotiate the terms of your debt, which allows your creditors to add negative info to your credit report. Even though they are getting paid, they are not getting paid “as agreed”.

The other danger of Credit counseling services is once your debts have been renegotiated, you have more disposable income per month. Many people are tempted to use this extra cash for non-essential stuff, and usually end up just increasing more debt, ending up in the same situation (or even worse) later on.

In your situation, my advice would be to avoid those counseling services and just keep paying against your current debt.

Good Luck