Manage your Credit

2007-03-08 10:33:40

( Financial )



Do you wonder why people who understand numbers and simple arithmetic still end up being surprised at how much money they have lost? Do you wonder why you end up getting credit counseling? Getting credit counseling is easy and you can be assured with the idea that nobody has ever been jailed for getting credit counseling.
It is easy to get consumer credit counseling but it is also easy to be duped if you jump into the plan too easily. Beware of fake promises. Beware of fake promises about debt consolidation, credit consolidation, credit debt management, or even refinancing. These offers will overwhelm you and it is up to you to study every plan. However, some really are truthful with their promises. You just have to be aware of what are the plans out there.
Furthermore, you are not required to pay before services are rendered. If your credit counselor is suddenly asking you to pay money before any plan has been laid, leave. To get credit counseling means you get to talk and discuss first. Your legal rights will be discussed and everything will be written on a contract. This contract will tell you what you are to expect, what kind of services will be given, what the cost of the service will be and how long will it take before you find any results.
If you are prohibited by your credit counseling to confirm all information with a credit bureau, you better be suspicious. Don’t be misled by their being over kind and listen to them when they say that they can do everything for you. Yes, they should do everything for you but they should not tell you that you cannot call a credit bureau to verify all information. You may even go and edit any wrongful information by yourself if you wish.


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