Getting Out Of Debt Homepage

Question: Is getting help through consumer credit counseling worth it? i need advice on how to raise my credit score?

(Posted by: chicken2008 on 2009-02-04 09:13:43)

Are you better off just calling each of the debts on your credit report and working out an payment arrangement with them directly.

Posted by: peter b on 2009-02-07, 11:44:12

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - creditreport.undonet.com

Posted by: Judy on 2009-02-04, 09:18:50

Consumer credit councelling is good, but better is doing it yourself. Get a book at the bookstore called credit repair for dummies it teaches you how to negotiate and lower interest rates. Don't put it on your credit card. Just read the chapters you need - spend an hour at the bookstore - free. /

Posted by: Paul on 2009-02-04, 09:19:29

Get a consolidation loan and pay off all your debts. Don't miss any payments on you loan and cut up all but one of your credit cards. Within a year your credit score will improve dramatically.

Posted by: vetsmom_rgv on 2009-02-04, 09:55:23

I would suggest to get advice from the CCCS and see what they would be willing to do. Now if they can do it, no one knows. They would do the same thing that you could easily do yourself: Call the credit companies that you owe and make a deal to lower your rates or your balance so you can pay it off sooner. So I would try that first. Also, tips on raising your credit score, it will take time. If you make one lump sum, it won't raise your score as much as if you did consecutive payments over a longer period of time. So, try not make more than the minimum, don't be late, and you'll be fine. GOOD LUCK!