I don't know if yall know about this.Experian has a backdoor in their website that allows you to pull a new updated credit report for free daily. Just use link above or go to www.experian.com.
Note you will need a report number to use this feature.You get number off free report or last one you paid for. It works for me and I use it often to keep an eye out for any future stuff that may magically appear.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.