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Credit Repair & Debt

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Subject: Credit Repair & Debt
Posted on Sat Jan 07, 2012 2:15 pm  

Hello I am a single employed mother of two and I have bad credit. Most from when I first turned 18 and thought it would be cool to have a credit cards, & a cell phone, but not really thinking about how the heck I would be paying it all. I want to fix my credit but I feel so in debt that I don't know where to begin. Please help, I'd greatly appreciate it!

Joined: 10 Jun 2011
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Subject: Credit Repair & Debt
Posted on Tue Jan 10, 2012 9:22 am  

Welcome to the forums!!!
At first you are required to pay all of your outstanding debts. This is because late payments hurt your credit score. If it seems difficult for you to payback all debts in full, then you may try to negotiate with your creditors and set up a payment arrangement with them.

Subject: Credit Repair & Debt
Posted on Fri Jan 27, 2012 8:55 pm  

A reputable credit repair counselor will advise you of your rights as a consumer, disclose the fees for their services in writing, and outline what will be happening during the time they will be working for you. If they seem to be making outlandish promises that seem too good to be true, don’t hire them and keep looking. A good credit repair counselor can be a great help toward making you more financially solvent and less stressed about your debts.


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