I checked my credit score about 4 months ago and my score was getting close to 600, I filed bankruptcy about 4 years ago but have established credit ever since. I have had all my bills paid, never any lates for 3 and 1/2 years. Now I go and pay one of my credit cards on-line and it asks if I want to know what my credit score is for free-my credit card company giving this too me from their website as a valued customer. It said 425, what nothing has changed on my credit report in 4 months. The only thing is that my balances on my credit cards are high but they have been that way before then. I am making more payments not just the minimum due. Do you think this could be possible or don't really go by that site go by the fico site?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.