|Topic Review (Newest First)|
|05-26-2003 02:08 PM|
|Roxanna30135||Aimee .. I'd call my credit card companies first and tell them that your situation has changed and you would like to work with them to get this amount paid off. Most are willing to work with you to lower your bills and keep you as a customer! Just don't tell them that you are not going to use them again!|
|05-25-2003 06:05 PM|
|BeccaSueBoo||You're supposed to call the CC companies and change your payment due date, that way it won't go against your credit so much.|
|05-21-2003 12:41 PM|
|Meagan||Usually when you pay a bill off you can request to have a statement showing zero balance. It usually takes a few months for it to show up on your account and for it to show up on your credit report. Is that what you meant???|
|05-21-2003 12:25 PM|
|*Aimee||And is there a way I can get them to send in that I payed the thing off? so it will at least look a little better then it is?|
|05-21-2003 08:53 AM|
My advice having done this in the past:
If you can pay your bills now then do it. Going with one of these companies will really mess your credit up. Even if you are paying on time. If you are having trouble I would contact the company directly and see if they can help work with you. We were with a company like the one you listed for 3 years and some things were paid off and some were paid down but we left the program because the majority of our debt went up and I am still trying to take care of the mess. I know you live with your parents right now and are trying to get your own place. If you have not done that already I would suggest using every cent you have to pay off and pay down any debt you have. You said you were going to be able to save back enough money for a years rent up front. Take that money and pay something off. I have no idea what your bills are like. But please consider it coming from someone who has wrecked her credit dealing with one of these companies.
|05-20-2003 04:48 PM|
I am glad that you have given the link for reputable credit repair. I think I will look into this toowith DH.
Good luck Aimee!!
|05-20-2003 04:45 PM|
|Joy1||Aimee, we have a pamphlet we hand out where I work that tells people that a legit agency will not charge more than $20 upfront. Go to www.nfcc.org and find a reputable one for your area.|
|05-20-2003 04:30 PM|
Your credit can only get better if they are paying your bill on time. Late payments have a negative effect on your Beacon score. When SIL did it, it saved her about $100 a month and that really helped her out. I would just ask their policy on the payment schedule, just to make sure you don't have any late payments. Also, watch your credit card statements to make sure they are sending the right amounts to the right creditors!
Good luck, Aimee...I hope they can help!
|05-20-2003 04:25 PM|
|*Aimee||I never thought about that aspect of it. They said they do credit repair as well as debt negotations. So He told me I pay a one time fee a couple hundred and they negotate with the companies and get them to cut it in half sometimes. Which I will be more then happy to have happen. And supposedly when your done paying off your debt your credit is good again.|
|05-20-2003 04:15 PM|
|MeShell||I've never heard of this particular company but my SIL went through one that was similar. She doesn't have a lot of complaints except that it's taking a LONG time to pay it off. AND, her credit is shot because of the debt company paying her bills late!|
|05-20-2003 04:11 PM|
Anyone ever heard of this agency?
Financial Freedom ? its website is debt agency
If this isn't aloud please delete it. Im sorry if its not aloud.