I just printed out my report from all three agencies. The shock has worn off and now I plan to clean it up with this forum's help. :lol:
My first question. I am tackling my personal information section. On my report they have me listed as a last name Gcnes when in fact one of my old credit cards spelled my last name wrong. How do I go about getting this corrected?
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.