On 11/05 I had a FICO score around 461 (yech). At that time it really hit me that I needed to get my act together and start caring for my credit.
Until I found this site, I did what I could on my own to repair my credit. But it was such a slow process. I then stumbled onto this site two or so months ago. I began reading. And reading. And reading. Then I registered and had fantasic help with whatever questions and/or concerns I had.
Up until I found www.debtconsolidationcare.com/ I had one subprime credit card with a lousy credit limit. But with excellent credit usage and with the information I got here, I now have two major store charge cards, a prime platinum MasterCard with rewards, a credit limit increase with my original credit card, and a prime gold Visa with rewards.
I owe a great debt of gratitude to this site and it's members. I'm not saying I'm completely out of the woods yet (Crap1 still continues to be a festering sore) but I'm much farther along with your help than I would be without it.
*Runs off to admire shiny new credit cards. So pretttyyy...*
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.