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Question by krod413: Which credit counseling service is the best?
I need to know which program is the best for unsecured debt in collections that will not damage possibly improve my credit score. I’m considering the ACCC, since they seem reputable, but would appreciate some more input. Thanks!
Best answer:
Answer by CatDad
If your credit card debt is out of control, you may want to enter into a non profit debt management plan like Consumer Credit Counseling Services (CCCS). They can negotiate reduced interest and payments. They will require you to stop using all credit and to cut up your cards. Your credit report will be updated to “enrolled in debt management.” This does not damage your credit, but it may make it difficult to obtain new credit while you are enrolled in their program….so don’t use this service if you anticipate applying for a new apartment, car loan or mortgage anytime soon, as you would might be denied while you’re enrolled in the CCCS debt management program…You can get a referral at: http://www.nfcc.org
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