Bad Credit Agency

I need to consolidate! looking to work with consolidated credit counseling inc, anyone have any expereince?

i am looking to work with consolidated credit counseling inc., and was wondering if anyone has expereince with tht company, and tell me if theyre legit. and if they really do work with you or not ? and if u have any info about the effects of consolidating credit, please let me know! any other agencies u know about tht are good with credit consolidation?

Public Comments

1. Try finding a primerica representative around your area and they will explain a way to do that for you. primerica shows you how to combine all of your debt into your mortgage and allows you to climb out of debt and start a savings. PS be careful primerica is a pyramid company and they will try to get you to work for them also. DO NOT DO IT!
2. Go onto Experian, Trans Union, or Equifax web sites and there will be links to preferred organizations. If you want to find one on your own, make sure they don't try to charge you for anything!!! The credit counseling/repair organizations that the 3 Credit Bureaus recommend are FREE services.
3. You can contact local CCCS (Consumer Credit Counseling Service) and join their Debt Management Program. There is a counselor that will help you do this with a small administration charge. CCCS is a non-profit organization and for checking the validity of their non-profit status, you can go to http://www.irs.gov/charities/charitable/article/0,,id=141466,00.html You should avoid commercial service since they over promising and charge you with higher fee. A lot of non-profit offers this kind a service. You can do a little bit research online.
4. i also need to consolidate. i am learning that going through a nonprofit agency may be the best bet. but i have yet to do so until i learn more. if you do it, can you let me know. thanx
5. Credit counseling is a term used along with debt negotiation or debt settlement but should not be mixed with them. In credit counseling, you use the services of a professional credit counselor to repay your debt in reduced, monthly payments that you can easily afford. http://debts-to-wealth.com/category/Credit-Counseling.html