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	<title>Comments on: Which credit counseling service is the best to use?</title>
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		<title>By: nicirae1313</title>
		<link>http://raiseyourcreditnow.com/which-credit-counseling-service-is-the-best-to-use/comment-page-1/#comment-1939</link>
		<dc:creator>nicirae1313</dc:creator>
		<pubDate>Mon, 09 Nov 2009 09:20:21 +0000</pubDate>
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		<description>credit counseling is really bad for your credit rating. it reports on your credit report and kills your credit score. check out this website. this company is good at helping you re establish your credit.</description>
		<content:encoded><![CDATA[<p>credit counseling is really bad for your credit rating. it reports on your credit report and kills your credit score. check out this website. this company is good at helping you re establish your credit.</p>
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		<title>By: cottey girl</title>
		<link>http://raiseyourcreditnow.com/which-credit-counseling-service-is-the-best-to-use/comment-page-1/#comment-1938</link>
		<dc:creator>cottey girl</dc:creator>
		<pubDate>Sun, 08 Nov 2009 23:07:08 +0000</pubDate>
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		<description>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&#039;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.</description>
		<content:encoded><![CDATA[<p>I strongly recommend you check out  </p>
<p>Dave Ramsey is a financial whiz whose program has changed my life completely &#8211; 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.</p>
<p>The web site has all sorts of information, including links on Ramsey certified counselors in your area.  I can&#8217;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.</p>
<p>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!!</p>
<p>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.</p>
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