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Looking for info.

November 15th, 2007 at 03:04 pm

Can anyone tell me if there's a website that lists reputable and non-reputable reviews of credit counseling agencies, like who to avoid, who is a scam, etc.?

Also, is it true that if you do debt consolidation that it's the same on your credit report as filing bankruptcy? I mean, is there info tnat someone can point me to more about this? My credit report as it stands now isn't great, being that I owe so much, but I have never made a late payment on anything, so at *least* I have that.

Any info and websites would be very helpful!

1 Responses to “Looking for info.”

  1. ceejay74 Says:

    Good question! I'm sorry I don't have an answer, but I'm looking forward to any advice anyone can give. I don't think I need to go down that road, but I'd like to know the options.

    One friend of mine who was in your shoes just walked into the bank she used for checking, asked to see someone, and said "I'm in a lot of debt and I need some help." They helped her consolidate to a reasonable fixed-rate loan and gave her other financial advice as well, all for free. She said it was great, no hassle at all. I suppose it makes sense. After all, you'll be paying the interest to them if they work it out for you, and you're a long-time customer, so it's in their best interests to help you.

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