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Credit Counseling

It's easy to get into debt over your head. But you CAN reclaim control of your financial situation! Through consolidating your debts, reducing your interest rates, waiving late fees, lowering your monthly payments, eliminating collection calls, and solid planning of future resources, you can climb out of debt and be back on the road to financial freedom. Help is only a click away. Below is a respected and trustworthy organization that can help you:

Care-One Debt Consolidation

Whether you choose Care-One Debt Consolidation or another credit counseling organization, it’s important to feel comfortable and confident about your credit counseling agency. Here are some questions you should ask before deciding.

* Is this agency a "for-profit" or "non-profit" organization?

* Are agency services confidential?

* What will the services cost?

* Are the counselors certified?

* Is the agency accredited?

* Will credit education opportunities be offered?

* Will my funds be protected?

Use this list of questions as a litmus test in your selection of a credit counseling agency! If you are comfortable with the answers to these questions, chances are the organization can be trusted and will provide you an invaluable service!

You should be aware of what is on your credit report. Identity thieves and inaccurate information can deteriorate, if not eliminate, the possibility of obtaining a loan in the future. You can obtain a 3-in-1 credit report with data from all 3 bureaus from CreditSoup® Credit Report & Repair .

Experian Free Credit Report  is another organization which offers a free copy of your credit report for signing up for a 30 day, no obligation trial membership to CreditCheck. You can cancel this program at any time and still receive the free credit report.

Both are respected organizations and will provide the service you are after.

The 3 major national credit bureaus that gather and share your credit information with creditors are listed below. You can also order your credit reports directly from those bureaus.

Equifax
1-800-685-1111
www.equifax.com

Experian
1-888-EXPERIAN (397-3742)
www.Experian.com

Trans Union
1-800-916-8800
www.tuc.com

The following link provided by the FTC provides valuable insights on correcting information in your credit report.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm


 
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