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Credit Counseling: Is it Really Necessary?
Not everyone has a positive experience with credit counseling. Potential creditors often frown upon consumers who are going through credit counseling, denying them credit or sticking them with elevated interest rates on new lines of credit. Some consumers, who have found themselves in this situation due to credit counseling, would tell you that you can accomplish the same things on your own. It is simply a matter of educating yourself on the inner workings of the creditor you are dealing with. Many who have dealt with the negative affects of being associated with a credit counseling company, wouldn't have pursued credit counseling at all, had they known how it would affect their overall credit in the long run. Credit counseling companies, of course, will have you believe that you can't solve your financial problems without them. If credit counseling is your last stop before pulling into bankruptcy station, you may be surprised at how willing your creditors are to work with you in your time of financial hardship. Quite simply, they would rather collect something from you than have to write it off as bad debt and never see a dime from you. Credit counseling works on these principles and that is why it is so easy for credit counseling companies to negotiate with your creditors. If you simply can not negotiate a satisfactory solution with your creditors, or you can't deal with the stress of trying, credit counseling may end up being the best solution for you after all. Just don't jump to that conclusion too quickly. Credit counseling has been a life saver for many consumers and a nightmare for others. You will need to personally weigh the pros and cons of using credit counseling as a means of reaching the level of financial freedom that you desire, and staying there. Timothy Gorman is a successful webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, bankruptcy and free credit counseling information that you can research in your pajamas on his website.
MORE RESOURCES: Credit - Google News Amaker gets the credit for Harvard's success | The Republic - The Republic
Credit Suisse Swings to Loss in Fourth Quarter - New York Times
1 Hot Credit Card Stock & The Future of Mobile Payment - DailyFinance
US Credit Swaps Rise as EU Chiefs Defer Ratifying Greek Plan - BusinessWeek
The best of credit ratings, the worst of credit ratings - Lakeland Times
CREDIT MARKETS: Action Muted As Participants Weigh Greece Deal, Jobs Data - Wall Street Journal
7 Things You Didn't Know Affect Your Credit Score - San Francisco Chronicle
An Earned Income Tax Credit Q&A - Seattle Post Intelligencer (blog)
TEXT-ECB approves credit claim collateral rule changes - Reuters
Republicans Target Tax Credits for Undocumented Immigrants - Fox News
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