Learn how to maintain a healthy credit balance while understanding the effects of your credit utilization on your credit score.
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Category: Debt Elimination
Learn five steps to take to bring past-due accounts current as quickly as possible, including a solution that brings multiple accounts current all at once.
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Losing your job can lead to massive credit card debt but following these tips can help you avoid a financial disaster while you look for new employment.
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Paying a higher settlement in exchange for pay for delete may sound like a good idea, but the reality is that the credit damage is likely to remain.
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Get details on when you can expect late fees, when the payment becomes officially missed and what that means for your credit score.
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There are some simple questions that you can ask to make sure you’re working with a nonprofit credit counseling service to avoid a scam.
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Unlike other options, such as debt settlement and bankruptcy, a debt management plan won’t generate any negative items on your credit report.
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You earned those points, and they’re worth real money. Depending on what kind of rewards you earned you may be able to keep them. Find out what cards work
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Many credit counseling agencies are nonprofits. Then why do you still have to pay fees? Here's the real explanation of why nonprofit agencies still charge.
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Learn about how credit counseling works and listen to an expert reveal what happens when you have multiple credit cards in various states of delinquency.
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Thinking about consolidating debt with a personal loan? Read this first. You may become ineligible for other relief options, such as debt management plans.
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If you’re enrolled in a debt management program, you can make extra payments to get out of debt sooner, but there’s a specific procedure you need to follow.
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Watch this video to learn how much credit counseling costs, whether you work with Consolidated Credit or any nonprofit consumer credit counseling service.
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This video explains what debt management fees a consumer can expect with Consolidated Credit, as well as with other nonprofit credit counseling agencies.
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When and why does debt consolidation close credit cards? Consolidated Credit's experts explain why account freezes are in your best interest and how to minimize the challenges of living credit-free.
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A debt management program consolidates debt into one payment, but it doesn’t work with any debt. We explain when debt consolidation does and doesn’t work.
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Debt collectors don't always contact the right people during the collection process. Learn how to verify that a debt is yours before you agree to pay.
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If a collector sues you to force repayment, debt consolidation may give you an out to avoid court. See how consolidating may help if you face legal actions.
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A burdened borrower wants to know if debt consolidation loans can be consolidated on a debt management program. We explain how and when this can work.
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A client with an existing consolidated account wants to know if she can add credit cards to her program once she’s already enrolled and making payments.
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When you pay off an account on a debt management program, the money in your monthly payment is redistributed to increase the speed of debt repayment on your other accounts. Learn how the program prioritizes your debts so you can get out of debt fast.
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A borrower with fair credit can’t qualify for a debt consolidation loan for less than 28% APR. We explain the difference with a debt management program.
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Some types of debt consolidation mean that you take on new financing to pay off your original creditors. But with a debt management program, the answer to "Who Do I Owe?" is still your original creditors. Learn how a DMP works to set up a repayment plan that you can afford.
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President Gary Herman helps you understand how credit counseling may be able to help with your debt, even if it’s charged off and already in collections.
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