Bad Credit

Hi, you will be soon getting a call from a counselor in your area. Discuss your options with him. He will have all your debts combined under an easy repayment plan. He will negotiate with your creditors for a lower interest rate and get most of the fees waived off. After all the debts are paid off, your scores will be on the better side.

hi harley -

Have you pulled a recent copy of your credit report? It will be helpful when you look at debt consolidation or settlement to have that report so you know what your overall credit picture is.

Go to https://www.annualcreditreport.com/ to obtain a free report once per year, or when you've been denied credit. There's no program to sign up for, and no fees - this is a free report from all three bureaus. If there are inaccuracies on the reports, you can dispute them online at the site for each bureau.