I'm Bo Majors
 I got my free credit report, flipped out, paid bills, asked for credit help, got new good credit and disputed errors on my credit report.  

Credit Help Letters
Raise Fico fast
Get Good Credit
Reduce Credit Ratio
Validate Collections
Dispute
Negotiate
Scoring
My Credit Tips
Pay debts
TransUnion
Equifax
Experian
Debt Income ratio
How to Pay
Bankruptcy
Public records
Judgments
Divorce ex x
Buy house bad credit
How long
scams
theft fraud

E-Mail Bo
Credit Questions.
My credit help blog
 

 I read your website and used a lot of the information you provided and was able to raise my score from 571 to 671 in 2 1/2 months. Thank GOODNESS for your website. IT WORKS!
real person

 Overwhelmed by my debts, bills and credit cards? Start with a free debt consultation. If I cannot pay my bills because a lost job, medical emergency or divorce professional debt counseling is usually a educated decision.

Consumer debt counseling and debt management company plans.
 When I use a debt counseling company or debt reduction program set up by a non profit or a for profit debt consolidation or reduction company the same basic debt actions are taken.

1.  The debt counseling company will interview me for relevant facts related to my income, my bills, my debts, loans, credit cards.
2.  At this time I should ask about any and all fees associated with debt counseling and how they are figured. I should also look for any past problems with the company. Make sure they have a good past track record in the debt help industry.
3.  Next the debt reduction or consolidation company will present at  least one and maybe more plans of action to pay off the problem debt with budgeting and settlements on my credit cards and loans.
4.  Once again I need to ask if there might be any changes or extra fees associated with these debt repayment settlements. I should get all possible fees and possible options in writing before committing. I should also ask what effect they expect this action to have on my current credit report and how I might best be able to help raise or improve my credit score while I am in counseling.
5.  I should check with other debt help companies and compare the fees and possible plans. After comparing and careful thought I sign up for debt counseling.
6. The debt counselor will then begin to contact all my creditors and negotiate a lower balances for me. I should be given the chance to approve any settlements before they are agreed. Lets face it we hired a company because they are supposed to negotiate much lower balances than I could by myself. 40 - 50 percent is often seen, but settlements are all different and no rule is set in stone. 
7.  Then the debt counseling company will total the negotiated debts  and I will pay an overall lower monthly payment to the debt consolidation or debt counseling agency and they in turn pay all my negotiated settlements for me.
8.  It is very important to start out on the right foot and back track on my payments. I call each creditor and make sure they have received the payments I made to the debt consolidation company. This is something that should be done no less than every three months unless I am getting receipts from the original creditors too.
9.  My negotiated in counseling credit files will show negative (in credit counseling or settlement accepted) at first, but my credit will get better in 1 - 2 years.
10.  It is very important to note that I must keep some open lines of credit or loans that I am paying well if I expect to come out of credit consolidation or counseling and have a good credit score. If I let all my credit get old I will loose my score. So I keep some open credit if it is at all possible.
11.  In summary the credit counseling path is much better than bankruptcy, foreclosures and serious credit dilemmas. I should examine credit counseling quickly when serious problems arise
12.  Credit counseling is a primary option if I have suffered loss a loss of Job, Medical emergencies or some other form or financial tragedy.

Overwhelmed by my credit card debts, get a free debt consultation. 

----------------------------------------------------