They have been helping consumers repair their credit since 1991 ~ removing more than 9,000,000 negative items from credit reports in 2016. We have tips on settling your debts for pennies on the dollar and how to deal with creditors.Along with over 75 sample credit dispute repair letters, you will have everything you need to repair your credit. Check out our Discussion Boards where hundreds of people visit every day offering free answers to your credit repair and debt settlement questions.One is to consolidate all their credit card payments onto one new credit card – which can be a good idea if the card charges little or no interest for a period of time – or utilize an existing credit card's balance transfer feature (especially if it's offering a special promotion on the transaction).Home equity loans or home equity lines of credit are another form of consolidation sought by some people, as the interest on this type of loan is deductible for borrowers taxpayers who itemize their deductions.When you have bad credit, lenders see you as a high credit risk and they will charge you higher interest for a loan.On the flip side, when you have good credit, you pay less in interest which means you have more disposable money left at the end of month. You can fix you credit and we have the most up to date credit repair information."I was so pleased to find it easy to talk to my counselor about my debt problem.He was very helpful in helping me find a budget I could work with and thanks to him, I was able to reduce my interest rate so I could pay off my debt." - V. from FL More Reviews "Thank you for helping me stay out of collections and make progress toward paying off my debt.
If I have any questions, [ACCC's] staff is always there to give me the answers. - Madge from FL More Reviews Our certified credit counselors will help you determine the best way to approach your financial situation and provide you the best debt advice options and debt solutions for managing your credit card debt.
In recent years, peer-to-peer (P2P) lending opportunities have increased the options for people looking for a debt consolidation loan with bad credit.
P2P lending bypasses the banking loan system and allows regular people to organize loans between one another, usually through a website.
Consumers can use debt consolidation as a tool to deal with student loan debt, credit card debt and other types of debt.
There are several ways consumers can lump debts into a single payment.
Our credit repair program gives you step-by-step instructions on how to fix your credit on your own for little or no money.