What Credit Counseling company is the best?
Alaina asked:
My debt is under control after a year-long struggle. Now I’m looking for a credit counseling service to help me improve my credit score. Can anyone recommend one?
My debt is under control after a year-long struggle. Now I’m looking for a credit counseling service to help me improve my credit score. Can anyone recommend one?
November 5th, 2009 at 3:13 pm
Credit counseling companies don’t improve your score. They work on helping you pay off your debt. Check here for a NFCC credit counseling member: . These are legit, non-profit companies that offer debt management plans for a nominal fee.
There are all sorts of credit repair companies out there. Almost all of them are pure scam. There is no way to fix bad credit. You just have to wait for the negative items to age off.
If you are carrying balances on credit cards, pay them off. Carrying balances of more than 30% hurts your score. Pay off the balances and your score will get a boost. Otherwise, it’s a matter of paying everything on time. You need at least 24 months of consistent, on-time payment history to improve your score.
November 9th, 2009 at 1:35 am
My answer is simple, just take bdancer2′s advice, she hit the bulls eye.