Comments on: Is there really any difference on the affect on my credit score between credit counseling and just not paying?

By: WaCa

WaCa — Sun, 04 Jul 2010 01:25:59 +0000

Where do you stand? What is your "CREDIT SCORE"? Knowing this is essential as it relates to how much of a loan you may be eligible for & perhaps MORE importantly how much that loan will cost you in interest. This is where the banks make their money. Your CREDIT REPORT & FICO Score are pivotal.

At "https://www.annualcreditreport.com/cra/index.jsp" You may obtain a FREE copy of your full credit report once a year from each of the three (3) reporting agencies. You can obtain them all at once or spread it out one report over four (4) month spans. REMEMBER the credit report is different from the CREDIT SCORE also known as your FICO score. There is currently no law granting you FREE FICO score. For more info http://www.putjahmosthigh.com/CREDITSSCORE.htm
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By: Edgar Barlow

Edgar Barlow — Sun, 04 Jul 2010 01:06:59 +0000

hey,

There are many sites , that offer credit report, but I would suggest you http://GoCreditReport.info , because they offer this service absolutely free .They are one of the best sites .They also offer credit monitoring, id theft alert, and many more things…

Just Go to: the link and join .

Really hope it was helpful
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By: Andrew Cooper

Andrew Cooper — Sun, 04 Jul 2010 00:56:59 +0000

Hi,

It is possible to get rid of debt, but you have to know exactly how to do it.There are many websites , that offer that service, but unfortunately most of them are scams.

Last year I found a site that helped me to save more than 30% …

They are one the best websites .

If you really need help, I would recommend you http://WorkingDebtRediction.info … They really know how to help you.

I really hope that helps
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By: Judy

Judy — Sun, 04 Jul 2010 00:34:59 +0000

There is only one credit councelling company you should consider
NFCC.org
This is THE government non-profit agency – no cost to you.
Go to the site – call their 800 number and make an appointment at a local office.
Reviews call them angels.

Of course, you can do this yourself.
Go to your library or bookstore and get a book on
Debt and Credit Repair.
All the TRICKS on how to deal with the creditors are there.
How to settle, negotiate, pay on delete, reduce rates.
A good book will cost you about 20 bucks – worth it’s weight in gold.
Also doing this may be less embarrassing than going to an agency to help you.

Do not, I repeat, do not go to a debt negotiation, settlement or consolidation company.
I consider these scams that easily ruin your credit and you end up in court anyway being sued. It’s these scam companies that truly ruin your credit. If you have questions – just ask here how they work. Keep in mind – that they have to make good money to stay in business – and you’ll be making them rich.
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