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My credit is very bad -I’m in debt and behind on my payments- is it better to….?

admin — Mon, 24 Oct 2011 17:02:50 +0000

debt

Question by HotPink: My credit is very bad -I’m in debt and behind on my payments- is it better to….?
Go through those debt consolidation services ( i don’t qualify for a loan) or do credit repair.
I did debt consolidation once like 7 years ago but it says on your credit that your account was closed off because you’re in this program. But I don’t know how credit “repair” works….
Also, can charge offs be put into the debt consolidation programs?
I really want to fix my credit as much as possible and was on disability for like 2 years and that messed me up plus I’ve been going through a bad marriage and now a divorce but none of these are joint accounts.
I live in CA

Best answer:

Answer by Dana R
I don’t know where you live, but according to my mother, even if your accounts are not “joint” accounts they were acquired during the marriage and therefore belong to both of you unless you agree differently. I would suggest going to a non-profit organization like Consumer Credit Counseling. They are the only place I know of that don’t hurt your credit. All the other “for profit” organizations actually make your credit worse. These people make you get rid of every credit card you have and put you on one monthly payment. But you cannot miss not one payment or pay late at all or they kick you out the program. They are in Orange County California

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admin — Thu, 03 Mar 2011 14:07:05 +0000

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admin — Sun, 05 Sep 2010 18:27:48 +0000

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