Are there any legit credit counseling services in the state of Tennessee?
There are legitimate credit counseling services in Tennessee. Look for services that offer consumer education, ways to regain control over your financial situation, and a debt management plan.
No, you get to pay your bills with your credit card through these guys - you have to pay a little bit for their services (2-3%), but you get tons of miles and points that way when you're using your credit card for everything. So it really pays for itself. The thing is you need to be REALLY responsible with your bills for this to be effective for you!
Hiring a Credit Repair Company Here are some things to know about credit repair companies. By law (see The Credit Repair Organizations Act), credit repair services must give you a copy of the "Consumer Credit File Rights Under State and Federal Law" before you sign a contract to repair credit. Credit repair companies also must give you a written contract that spells out your rights and obligations. Read these documents before signing the contract. The…