Credit Repair via Credit Counseling
You may come to the decision that going through repairing your own credit is not something that you can complete without some outside help. There is no shame in having to locate some help because of your emotional reactions or poor money management ability.
When you open a newspaper or go online you will find an abundance of agencies with magical sounding claims about fixing your credit immediately if not sooner. You should be able to tell right away that such claims are nonsense. So, while you're surfing the net you notice that there are some claims to offer you a choice of agencies that, after you give them some of your information, will call you with help. They will call, but not right away. Then they will call again and again. Some may even b e nasty with you.
When you first read the claims of some of the agencies, you should be able to tell that the claims are ridiculous, such as: repair credit overnight. While those kinds of claims are fairly obvious, others are not. The internet will have ads for you to have several agencies contact you for help. You provide some information. What you might end up with are some annoying and possible nasty phone calls.
There will still be more research needed before you will be ready to choose your agency. You will need to know what is "must have" information. You should get information from more than one agency. Comparison shopping is definitely in order.
You need to be able to get the basic information about a company such as its services and fees without being asked for any of your financial situation. If you are not provided with this information do not go further with such an agency.
Once you locate agencies that provide you the initial information, you are going to want more questions answered. You will need to hear the effect this process will have on your credit report, the debt management services offered, possible money management workshops or seminars. You must know how the agencies will keep you apprised of their activities.
One of the most important pieces of information you will need to know is about any FEES CHARGED by the agency. Some may require large sums of money upfront along with large monthly fees. How could this work for you if you already can't pay your debts. Make sure you can handle any fees charged even if the agency says it is not for profit.
Using credit agencies requires effort on your part, but you should be able to find a reputable agency to partner with you, and have your interest at the forefront.
When you open a newspaper or go online you will find an abundance of agencies with magical sounding claims about fixing your credit immediately if not sooner. You should be able to tell right away that such claims are nonsense. So, while you're surfing the net you notice that there are some claims to offer you a choice of agencies that, after you give them some of your information, will call you with help. They will call, but not right away. Then they will call again and again. Some may even b e nasty with you.
When you first read the claims of some of the agencies, you should be able to tell that the claims are ridiculous, such as: repair credit overnight. While those kinds of claims are fairly obvious, others are not. The internet will have ads for you to have several agencies contact you for help. You provide some information. What you might end up with are some annoying and possible nasty phone calls.
There will still be more research needed before you will be ready to choose your agency. You will need to know what is "must have" information. You should get information from more than one agency. Comparison shopping is definitely in order.
You need to be able to get the basic information about a company such as its services and fees without being asked for any of your financial situation. If you are not provided with this information do not go further with such an agency.
Once you locate agencies that provide you the initial information, you are going to want more questions answered. You will need to hear the effect this process will have on your credit report, the debt management services offered, possible money management workshops or seminars. You must know how the agencies will keep you apprised of their activities.
One of the most important pieces of information you will need to know is about any FEES CHARGED by the agency. Some may require large sums of money upfront along with large monthly fees. How could this work for you if you already can't pay your debts. Make sure you can handle any fees charged even if the agency says it is not for profit.
Using credit agencies requires effort on your part, but you should be able to find a reputable agency to partner with you, and have your interest at the forefront.
About the Author:
With never before seen challenges in the credit markets it?s more important than ever to have excellent credit. For more information check out Rob Kosbergs' Detailed FREE Guide on Maintaining and Repairing your Credit Score by going to Bad Credit Repair for your FREE information.
posted by Debt Consolidation Loan at
3:47 PM
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