Is a debt settlement program a good idea, compared with using a Consumer Credit Counseling group, or Debt Consolidation?

 

There is only one bad thing in my credit report and that is one student loan that is in default. I took this student loan over 6 years ago. It has been hunting me every since I drop out of College. I have made efforts to pay it, but I have been unemployed for a [...]

 

My husband and I have a large amount of credit card debt to pay down. We contacted Money Management International and they created a debt management program through them in which we would pay a certain amt. of money to them each month for 50 months in order to pay down the cards. Sounds okay [...]

 

Is this correct way of thinking about credit repair? This service does not remove things with existing balances therefore; you are still responsible for those things. They only remove outdated info. and things that are not verifiable. This service does nothing to help you get out of debt but, make you look good on paper [...]

 

First question..is a free credit report accurate? I’ve been in contact with a law firm who is trying to collect on a judgement my husband has from 8 years ago it’s not on my free credit report…shouldn’t it show up if we have one? Can you place a judgement on a credit repair program like [...]

 

Trying to repair credit am going through debt consolidation for credit matters but my budget is straining for household bills need a small loan to straighten everything out and get out of hole.

 

I have heard bad things about debt consolidators. The gov’t has a program to help but I don’t know how to find them – any ideas?

 

Im looking to clean up my credit. It’s not bad but not good so i figured to clean it up to buy a home. My problem is this. credit report repair? debt consolidation? What one is better and how do i go about doing them? I know i’m about to get scammed and bogus offers [...]

 

A finance company gave me checks to pay off my credit cards. The checks said pay off and the amount owed. I checked one creditor online to see if it had gotten there yet and it had been paid just over the amount due as I had sent a payment just before. but it also [...]

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