Jeremy F asked: Im going to file Chapter 7 Bankruptcy, do I have to take credit counseling before I do?

dwaindaddy asked: I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?

susie asked: My boyfriend has roughly 18k in credit card debt. His credit score is 760 and we own a house together. We’ve contacted person to person lending organizations and contacted his credit card companies to ask them to lower the rates, which they wouldn’t because they said his balance was too high. He never [...]

kelly g asked: I am about to finish my 4 years of credit counseling. I know during cc you should not apply for credit but i did and i was turned down. I recently found out that if you are in cc other companies turn you down automatically and that makes sense. [...]

Schiess asked: My credit score is so low, I’m gonna need a backhoe to dig it up, but I don’t want to make it worse by going to a credit counseling service. Will I be able to buy a house while making payments to said service?

sitnhere2 asked: Are there any creditors that will not work with credit counseling service. I am concerned with my loan with Beneficial (HSBC) and CitiFianancial. Has anyone had issues with these and credit counseling programs?

Kimberly G asked: I’m planning on going through a consumer credit counseling agency to get help with my overburdening debt. However, two that I checked into will not, or cannot, work with payday lenders. Are there any out there that will?

♥ Mary ♥ asked: I am not looking for debt consolidation service, but a credit counseling service. I do not have any credit card debt, but I do have over $4,500 in total debt on all of my credit reports. Which one is best?

hopscotch20 asked: I have a lot of debt and thought best to join a credit counseling agency for help. Now my credit has dropped 200 points and I want to buy a house. What do I do to improve my credit? Will I be able to get a loan for a house?

Mark’s Mine asked: What is considered by consumers to be the best non for profit credit counseling firm?