I just rounded up my bills and my current credit report. I want to pay off my debts in order to clean up my credit. I have been scammed in the past by a so called debt consolidation company so i am very weary about who i do business with. On the other hand, i know not every Debt counceling company is a criminal.
Since joining, i havent been contacted by anyone about credit counceling. I have items that i filed bankrupsy on that still show on my credit as collections, even after 3 years.