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Consumer counseling credit card consolidating debt

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If the creditor agrees with you your report will be changed.Here’s how credit card consolidation works: You first decide if you want to take out a new loan, open a new credit card or enroll in a debt management plan (more on that later).But ideally you should never pay more than 10% of your monthly income toward credit card debt.So, for example, if you take home ,500 per month, then you should never 0 per month to your credit card bills.But there are also drawbacks to enrolling in this form of debt consolidation.And the concerns are not minor, which is why the word WARNING is capitalized.NFCC Certified Consumer Credit and Debt Counselors will: You need a steady work record and continued residence at the same address.If you do not have a checking account, open one and be careful not to bounce checks.

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You might also consider a secured credit card, which requires you to deposit money as security for the charges you make on the card. If negative comments on your credit report are correct, they can remain in your file for up to seven years except for bankruptcy, which can remain for up to 10 years.

The truth is, most people with serious money problems do not intend to be in debt, they just end up there.

NFCC Certified Credit and Debt Counselors will assist you in determining the best options to meet your credit and debt help needs.

Since 1991, our non-profit credit counseling services have helped tens of thousands of people just like you regain control of their finances due to overwhelming debt.

In my first article on credit counseling, I outlined the many benefits you get from working with a credit counseling agency.