The rate depends on your credit history I believe. That's the reason people try to keep their credit report clean and credit score high! Are you applying for any credit card? Remember, hard inquiries can hurt your credit score, it's suggested to do your shopping within a short period of time so that all the inquiries are counted as 1. _________________ Stan
BTW, I am not a lawyer, I am here to share what Life has taught me.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.