Friday, November 6th, 2009
Which credit counseling service is the best to use?
♥ 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?
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?
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November 8th, 2009 at 3:07 pm
I strongly recommend you check out
Dave Ramsey is a financial whiz whose program has changed my life completely - I am a single mom who has paid off $15K in debt in the past year and cannot believe how easy his program is to do and how much it works.
The web site has all sorts of information, including links on Ramsey certified counselors in your area. I can’t recommend the program or its counselors enough. You will be glad you tried it! They also give you tips on what to look for in a credit counselor and what types of services to avoid.
BTW, congrats on only $4500 in debt. That is not much compared to a lot of people (or myself, who was stuck with a lot of medical bills in particular after divorce). With the Ramsey plan and help from a counselor, you will be in great shape. Good luck!!
EDIT: Credit counseling does not affect your credit rating whatsoever. Your going to talk to someone for financial advice has nothing to do with your credit report.