Credit and Debt Counseling

Are there any legit credit counseling services in the state of Tennessee?


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2011-07-13 00:29:58
2011-07-13 00:29:58

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.

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Credit counseling services are more than likely a scam in the majority of cases, which is unfortunate. In the Cleveland area, there are very few credit counseling services at all, but most of them are illegitimate.

My opinion: the best you're going to get is "semi-legit". They may do what they say, but only for huge fees. The industry as a whole doesn't have a good reputation due to companies no paying your bills on time and charging huge fees for the "privelege".

FIA card services is legit, its just another name for, we handle all credit cards besides discover cards.

Most things on the internet that are for sale are not legit if you buy them with a credit card, however: steam, amazon, ebay, etc. are legit. Just be careful with your credit card.

About as legit as a three dollar bill.

Be wary of many debt counselors claiming to help you as this could be a scam. is a good place to get information on getting help with your debt and may lead you to legit credit counseling companies that will help you without robbing you blind.

The 3 Credit Bureau is extremely legit. I looked at my credit and they had it exact. You should definitely believe in them and don't give up. If you give up now then you may miss a good opportunity.

Look for a debt counseling agency closest to you by using a search engine online, and perhaps look for reviews previous customers have used. is a legit website that specializes in civil recovery. This means they are able to collect debt. Their website allows you to pay by credit card or electronic check.

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!

Yes, but avoid since interest is exorbitant.

Yes, but it charges rediculously over-inflated interest.

Well they need to make sure that everything is legit and that you are secure enough to actually have and credit card so they check you credit score in various manners.

One can pull a legit credit report online. There are many online websites that are available for this reason. One may want to do some research on different websites before using a certain one to check its validity.

There are many ways through which you can do legit work from home. The best way to start working from home is writing. There are many websites that offer paid writing services.

Every website that is been authorized by the IRS can give legit service regarding 1040ez online filing. The services is fast and in occasion can be a free service.

Some credit report check may be a scam. But for the most part there not. Read the fine print and recommendations to check if there legit. Bank websites usually have links to credit reports.

It's more or less legit, it's just not free. The only way to access a free credit report is a site called 'annual credit report . com' (all one word, obvs). Make sure to type it in correctly; similarly worded/named sites all charge money.

An absolute scam. If you watch that joke of a commerical on the Black Shopping Channel, and honestly believe paying $200 for an immediate "900 credit scorce" is legit...well, then you deserve what you get.

They appear to be legit and have public reports from the BBB about their services. As long as they do not try to charge upfront fees or "sell" services, they are more than likely okay to submit to.

Not legit don't mess with it

Hiring a Credit Repair CompanyHere 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 law contains specific protections for you. For example, a credit repair company cannot: make false claims about their services; charge you until they have completed the promised services; or perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees. Your contract must specify: the payment terms for services, including their total cost; a detailed description of the services to be performed; how long it will take to achieve the results; any guarantees they offer; and the company's name and business address. Here are more opinions and answers from other FAQ Farmers:Although there are a lot of scam artists out there peddling credit repair services, some are legit. Of course using a credit repair company is totally up to you. Just keep in mind that the credit repair company shouldn't charge you any money up front until they have performed the services that they agreed to perform - it's the law. Also, you must be fully involved in the credit repair process; no credit doctor or company can successfully restore your credit history without your participation. You should also read and completely understand your contract and be able to get out of it at anytime you choose to without penalty or obligation. Last but not least, you should understand that there is nothing a credit repair company can do that you can't do for yourself.A credit repair company can do nothing an individual can do. So the only reason for one to use a credit repair company would be for help. If the individual can't or doesn't want to learn the credit system.Also consider finding a consultant that is a member of a trade association that is regulated by the credit service industry. Credit Consultants Association is such an organization.

My Video Talk is a legit business. You can make money in this quite legit.

One Source Talent is a legit company in the sense that they do not claim to be a modeling agency, so they should not be treated or perceived as one. However, they do charge fees for their services, which is stated upfront so they are not hiding anything from consumers.

Yes, SAE is a scam and their programs are not legit.

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