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Budgeting your expenditures

Do not work with ClearOne Debt Relief!!!!

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Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675

48566 Magic Points

Subject: credit repair

Thu Feb 18, 2010 8:04 am

Hi Yvonne,

If you want to fix your credit, it is better to do it yourself, rather than opting for any credit fixing companies. You may first get a copy of your credit report, and check if there are any negative listings and wrong listings. If you find any wrong listing, you can dispute this with the credit bureaus. However, if there are any negative listings, try to pay the dues along with the "Pay for delete" agreement. Payment history matters the most in improving the credit score.

As it is quite easy to repair credit through self help, it is better to avoid any company offering credit repair.

Hope this helps.
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Wendall
Guest

Subject: Horrible experience

Fri Apr 30, 2010 3:30 am

I used this this debt relief service and it did nothing but ruin my credit!!!! I got sued twice by the creditors and they did not settle one account for me!!! Creditors will settle with you for less than this agency trust me, I settled for 3 grand less!!!!!!!!! I paid clear one over 2 g's in fees and my credit went to crap. If you owe them money they will settle with you!!! They have no secret power and the creditors hate those companies. ....

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675

48566 Magic Points

Subject: credit repair service

Fri May 28, 2010 10:40 am

Hi,

Before joining any credit repair service you need to check out whether or not:

1. The agency is accredited with the Better Business Bureau.
2. The agency is a non-profit one.
3. The agency has been in business for atleast 10 years.
4. The agency has certified counselors.
5. The agency is going to provide you with all the details of the work, and your budgeting.
6. The agency is asking for fees before really helping you in your problem, etc. You should never go for any such agency asking for such fees.

Thanks,

Aaron
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goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Wed Jul 07, 2010 12:09 am

great post there are so many out there it is hard to chose from.

vfsalinas05

Joined: 24 Jun 2010
vfsalinas05's page
Posts: 61

996 Magic Points

Subject: Thank you

Wed Jul 07, 2010 12:36 am

Thank you very much for the heads up on this company..I too thought about going with Clear One...I made a quick phone call to them to get info as to how they go about doing things..I'm glad I didn't provide info to them, I almost hung up on them I think...It is a little difficult to manage credit issues alone but I believe in the end only ourselves will keep our best interest at heart and know what is best..

hgimmy229

Joined: 01 Jul 2010
hgimmy229's page
Posts: 11
Location: Florida

259 Magic Points

Subject: Response to Clear One

Thu Jul 08, 2010 7:26 pm

Hi,

In response to your concern regarding Clear One Debt Relief, any company you are contemplating doing business with, always check out the company on the BBB prior to submitting an application to validate there business practices.

However, no company has the right to belittle you or send you rude e-mails when you advised them directly that you only want to be contacted via e-mail. The above e-mailed response is completely unprofessional & the continues phone calls back to back is just as bad as a debt collector. You contacted a company to get help, not get harrassed.

You may want to look into a 501-C3 non-profit organization that offers free financial counseling or advice. Please feel free to contact me if you are interested.

Respectfully,

Heather Gimmy
_________________
Heather Gimmy
Non-Profit Budget Counseling

Barbara_Elena
Guest

Subject: Credit fixing

Sat Jul 10, 2010 1:24 pm

These credit fixing companies can’t do anything, if your credit scores are too low, you may be charged too highly by these credit repair companies, sometimes you may find faults even after they have repaired your credit and lastly you can do your credit fixing yourself if you know how do it yourself. Thus, no need to waste your money on these credit repair companies.

single mon
Guest

Subject: Reliable company

Wed Jul 28, 2010 6:35 pm

Need to find a reliable company. I have tried to deal with the credit card companies and that would work except I do not even have the smaller pile of money that would take to closed this out. I just need a reliable company that will do the consolidation and negotitations with my credit card companies and finish this out. When I finish with this I will not use a credit card that I cannot pay off in ninety days ever again (by the Grace of God).

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2675

48566 Magic Points

Subject: reliable consolidation companies

Fri Jul 30, 2010 11:09 am

Hi single mom,

For reliable consolidation companies you can refer "http://www.debtconsolidationcare.com/ranking-chart/". Hope this helps.

Regards,

Aaron
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Hiftvibia
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