Bad Credit Agency

Most of the Credit Counseling & Debt Management a rip-off?

I have gone through the Credit Counseling route before and after a year of payments to them, found out that they were not paying all my creditors. Ended up dropping them and continuing most on my own. They had a term the CC companies used (re-up or re-new, re-age?) that I asked the CC companies for and they continued as though I was using the couseling service. I can't remember but if you go through them (credit counseling agencies) will it affect your credit and/or score? Can I still use the "re-aging" of the credit card myself so as not to hurt my credit rating? The company I used was Consumer Credit Counseling and even though I did pay off a huge chunk of debt, they still screwed me over on a few CC's that they missed paying.

Public Comments

1. Most of them do suck. I recommend a website/message board that is listed in my source. I am a member there and they have helped me get all the negatives off of my credit report and manage my debt. It is just a message board full of people with useful information, some are lawyers and are extremely knowledgeable on the Fair Credit Act.
2. The oldest and largest non profit credit counseling agency is Consumer Credit Counseling Service, you can contact them at 1-800-388-2227. I used them several years ago and was debt free in 36-months.
3. Credit Repair is different from Credit Counseling.
4. you should try Alberta credit counseling which is a non profit organisation helping people with credit problems. more information is available here: http://www.insightempire.com/alberta-credit-counseling.htm