Is there any credit counseling company that is legitamate?

Question

Trying to find a legitamite credit counseling company to consolidate debt, however, all I have researched show up on rip off reports as horrible scams.

Answer 1

yes.  Consumer Credit Counseling is the name you want to look for. They are a none profit counseling group that has been around a long time.

Answer 2

The DOJ has a site up that has a database of legitimate ones.  

Answer 3

The best bet is to call each of them and ask questions (don't give your personal info until you decide who you're going to work with) Figure out who has the best rates and who will do what you want- check with the BBB (Better Business Bureau) and try to google or yelp as much as you can in order to make sure that you don't have the same bad experience that everyone else did...

Why are you using one of these companies? get a personal line of credit- and pay everything off then have 1 payment per month. this is what you need to do. trust me.

:)  

Answer 4

Do not go to any sites that are suggested on here,  I cant believe the spam that gets put on these answers.    The only counseling company you should go to is CCCS here is a link to one in atlanta,  http://cccsatl.org/   .  LOL I know just after I said don't go to any sites,  but this place is totally legit and NOT FOR PROFIT.   don't know if you have heard of Clark Howard, but he is on the board of directors,   he is a radio talk show host on consumer advice.  Very legit,  don't use any other counseling company.

Answer 5

I work at a company that legally removes/deletes negative items from your credit report.  By law the only thing that has to be on a credit report is unpaid child support.  Our company isn't just some lame company either.  We have been in business for over 15 years, nationwide.  We are not a debt consolidation company.  That will hurt your credit.

What we do is legally dispute the negative items on your report.

Our fees range from $299.00-$999.00(anything over $599.00 is usually for a married couple repairing thier credit together/jointly).

You do NOT pay on the negative bills(only accounts in perfect standing).  We dispute them and they get deleted.  For every deletion, your score rises anywhere from 5-100 points depending on what type of account it is.

Visit  www.pleasefixmycreditscore.com  or

         www.crawg.com   and use ref code 3979.

or call 1-800-601-3401 and ask for Stacey.

One of our customers had a 454 credit score with a forclosure of over 200k, a reposession and a bankruptcy.  Within 5 months, he was in the high 700's.  

A lot of people think it gets "erased" due to the statue of limitations.  That is WRONG.  On your credit report(TransUnion, Experian and Equifax), there is a thing called "Date Updated" and evertime something happens with your account (ie: payment, lateness, sold to another collection agency) that account gets updated.  It is 7 years from the last updated date and it really never comes off since it's always being sold.

DO NOT do debt consolidation, that will hurt your credit and it takes years to come off.

Answer 6

www.consolidatedcredit.org

Answer 7

don't even try it is the worst thing you can do is credit counseling .

i know a great company that will consolidate all your unsecured debt,  you need to have a minimum of $5,000 example, credit cards, hospital bills, car repos, store cards , etc. They will reduce your total debt by a large amount then work out a payment plan on the reduced balance with no interest or penalties. and you can set a payment plan to suit your budget. The best part is that everything is 100% legal through a  large law firm that can work in all 50 states and gives you total legal protection against  lawsuits and stops harrassing phone calls.

[e-mail]

Answer 8

Here is the source of  one credit counseling company i know named http://ezconsolidation.com for your reference.