Reply #88: Welcome to DU! [View All]

[Lisa0825]

Very informative post! The only thing I would disagree withis recommending credit counseling. As I mentioned before, their goal is to get you out of debt, and most of them do not do one thing about your credit rating. If someone makes the effort, they can work on their debts and improve their credit at the same time, through pay-for-deletes and debt validation removals. You are absolutely right baout companies pulling credit reports too.. I think that sucks, since most people who get into this kind of trouble ended up here by going through some kind of personal trauma (health issues, divorce, detah in the family, etc), and don't need to be kicked while trying to get back up.