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Does working with a debt counselor really help paying off your credit cards?
Wiki User
∙ 12y ago
You want to make sure that you check with the BBB to see if they are a legite company. I would recommend calling a company that I trust, and have worked for in the past called, "Alliance Credit Counseling, Inc'. Their phone number is 704-341-1010. They are a non-profit organization that can help, and assist you by enrolling you in a "Debt Management Program". These type of companies have contracts with certain creditors, and debtors; which allows you to pay your debt in a few years or less with as little as 5% interest, or as low as 0%. If you are left with this option, then this is a great way to get out of debt in a short period of time.
Wiki User
∙ 12y ago
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Is 632 a good credit score?
Not really. You are below average, but not horrible. The low 700s are average. Improve your score by lowering credit balances, paying bills on time and diversifying your credit portfolio.
Does maintaining a zero balance on your credit card hurt your credit score?
If you are charging and paying it off each month then it helps. If you never use the card then it really doesn't do much either way.
How many points will your credit score drop from paying your mortgage late?
No one really knows how many points your credit sore will drop in this case. There are many variable to this matter. No one really knows how many points your credit sore will drop in this case. There are many variable to this matter. No one really knows how many points your credit sore will drop in this case. There are many variable to this matter.
How long can credit card companies put you in bad credit standing?
First of all, it's not really the credit card company putting a consumer in bad credit standing. It's due to the consumer not paying thier bill on time. Information on payment history is on your credit bureau for 6 years.
What can you do to help clean up debts on your credit report?
Besides paying your debts off or filing bankruptcy if you are unable to pay off these debts there is nothing you can really do to clear them from your credit report. Most debts stay on your credit report for seven years.
Is 632 a good credit score?
Not really. You are below average, but not horrible. The low 700s are average. Improve your score by lowering credit balances, paying bills on time and diversifying your credit portfolio.
Where can i get a good Credit Counselor in Texas?
Texas has several credit counseling opportunities. Texas Debt Relief is a company with several locations throughout the state. They can help you to understand the credit options available to you by setting you up with a debt consolidation plan that you can really understand.
Does maintaining a zero balance on your credit card hurt your credit score?
If you are charging and paying it off each month then it helps. If you never use the card then it really doesn't do much either way.
How many points will your credit score drop from paying your mortgage late?
No one really knows how many points your credit sore will drop in this case. There are many variable to this matter. No one really knows how many points your credit sore will drop in this case. There are many variable to this matter. No one really knows how many points your credit sore will drop in this case. There are many variable to this matter.
How long can credit card companies put you in bad credit standing?
First of all, it's not really the credit card company putting a consumer in bad credit standing. It's due to the consumer not paying thier bill on time. Information on payment history is on your credit bureau for 6 years.
What can you do to help clean up debts on your credit report?
Besides paying your debts off or filing bankruptcy if you are unable to pay off these debts there is nothing you can really do to clear them from your credit report. Most debts stay on your credit report for seven years.
Can you claim your son on your taxes if you didn't work this year?
Yes... for the earned income credit and such. It makes no difference for your income taxes really, as your not paying any.
Who was the first counselor?
Nobody really knows who the first counselor actually was. Anyone who gave anyone advice since the beginning of time was considered a counselor.
How do you get your credit score to show up?
Your credit score - a number used to predict your likelihood of paying off debt - is generated from information in your credit report, but is not part of the report itself. You can get your credit score from the credit reporting agency Equifax by going to http://www.equifax.com/fico-credit-score/. Equifax will give you your score and a breakdown of what your score means, which is really helpful. Equifax has really good services. Never had a problem with them. Hope this helps!
Is paying by the second really beneficial?
Yes. In majority of cases, paying
Will settling a close credit card debt hurt your credit?
it would really depend on the age of the debt, if it is more than 6 months, leave it alone. By settling it it becomes current news not old and forgotten. It will make you feel better about paying your debts but will actually harm your credit score. You'll sleep better at night but your credit won't.
What is the highest paying part-time job in Miami, Florida?
Retail banking rep is a really high paying and can be part-time. plus it gives you the evenings to do whatever you wish without your employer being interested in your personal life as it will not effect your working.
