Quote:
Originally Posted by chiefsnorth
Do NOT use one of those services that say they can fix your credit. most of them rely on disputing everything on your report which you can do for yourself, free. But by and large they are scams. This system is engineered to be watertight. They way to have good credit is to manage your finances prudently and spend less than you earn. If you have racked up years of debt it might take years to pay off. There isnt any quick fix unless you can boost your income. You your choices might be to remain in debt he'll or spend time in debt purgatory... One is a lot better than the other because there is light at the end of the tunnel.
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THIS!!!!
Credit Counseling Services are amazingly useless.
We have them come stumbling through our office on occasion to represent some of our defendants and I'll flat tell them to pound sand. They don't have any sort of ability to keep a judgment from being taken against you and they generally aren't bright enough to advise you how to avoid it.
It comes down to them negotiating the same payment terms that
you could do, but charging you a shitload of money to do it.
Never ever engage a CCS. For every one decent one, there are dozens that are either incompetent or fly by night operations that will leave you far worse than you started.