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Credit Counseling  by: Michael Anderson Counseling agencies can help you get your credit card, and other debts, under control. The counseling agency typically negotiates with your creditors to lower the interest rates and payments. The agency then acts as the payee, you write one check a month to cover all of your debt repayments and the agency pays each of them for you. Agencies can help you avoid bankruptcy, foreclosure, repossession, deal with judgements and payroll garnishments, stop collection agencies from harassing you, and help you fix problems on your credit report. They can also deal with back taxes, credit fraud and identity theft, and even help you buy a house or car with a bad credit record. Most agencies are nonprofit and are paid by creditors for helping them receive their payments. Some charge a minimal fee of $1-50 for their services, but a vast majority offer their services for free. Beware of any agency or company that says they can wipe your bad debts off your credit record, only inaccurate information can be fixed or removed from your record. About The Author Michael Anderson writes for http://www.goodcreditreport.info where you can find out more about good credit reports and other topics. This article was posted on September 02, 2006   View More Videos from the "Business and Finance" category: Small Business Stories - LJK Consulting Small Business Stories - Gildred Racing The Viability of Modern Portfolio Theory How the Gulf Oil Spill will Affect BP Stocks and the Energy Industry   Read More Articles from the "Business and Finance" Category: How to Evaluate Load vs. No Load Mutual Funds by Ulli G. Niemann Loan Payment Protection Insurance – Worth The Cost? by Joseph Kenny Funded Sponsoring Franchise System: An Effective Way of Recruiting by Anthony Harris Resource Levelling by David Stoneman Minimize your Risk for Identity Theft by Jeffrey Broobin Why Small Business Must Turn to PR by Robert A. Kelly Make Their Next Purchase a Feel Good Experience by Scott Lindsay Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards by David Hall Greed - The Ugly Duckling of Investing by Brandne Moskwa 1000 Dollar Payday Loans - An Answer to Your Cash Necessities! by Alex Jonnes << Back to "Business And Finance" Index

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