Credit repair

What is the benefit of using a credit card over a debit card?

Which is better between debt consolidation and debt settlement?

I have some credit card debts. I have decided to pay it off with the help of a debt relief company. The credit card company didn’t agree to negotiate with me. In this scenario I have no other option except debt relief company. Can you recommend me a reliable debt relief company?

I have received a credit card but I have received 2 ATM pin for the same card. Please let me know if there can be any chance of forgery, otherwise I can use both the pin numbers for the card.

I have a charge-off account that I want to get-off from my credit report. I live in California. How can I get this remove?

I want to increase the credit limit. Can you please tell me how to increase credit limits on my credit cards?

My bank is threatening to charge off my car loan. I only owe the late fees and interest. ($2500. Total) I have made 300 payment every 2 weeks & have offered to settle with them for 50% of what I owe them, they declined my offer and said I had to pay them in full.
They are stating that it will take me a few years to get the pink slip from even after I finish paying them off. Is that true? What other options do I have?

What will hurt my credit score debt consolidation or debt management?

I have some credit card debts. It’s not possible for me to manage all the debts. So I have decided to take help from a debt relief company. Do you have any idea how much amount they will charge?

What is the difference between credit card usage and debit card usage as far my credit score is concerned?