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You are here: Home / Archives for credit counseling service

credit counseling service

Comenity Credit Cards Can Be Settled For Less

March 3, 2022 by Michael Bovee 2 Comments

Comenity Bank is mostly known for servicing credit cards for stores and other outlets, not for their own branded cards, or retail bank locations. As you will see from the list below, they are the bank behind more than 100 other companies. Your options for dealing with credit cards serviced by Comenity will often mirror […]

Filed Under: bankruptcy, credit counseling service, debt collection, debt settlement

Credit One Bank Debt Settlement and Payment Plans

September 7, 2021 by Michael Bovee 8 Comments

Credit One settlements.

If you find yourself unable to keep up with bills, and you get to the point where your payments with Credit One Bank are going to be late, it may be time to look into your options. Credit One is closer to the sub prime credit card category. They are a great option for rebuilding […]

Filed Under: credit counseling service, debt settlement

Resolving Debt with Synchrony Bank

September 7, 2021 by Michael Bovee 100 Comments

Resolving debt with Synchrony.

Many branded store, and specialty credit cards, are serviced by Synchrony Bank. If you are wondering whether you card is serviced by Synchrony, I provide a list of known businesses that use them below. As you can see, Synchrony is not just about its flagship relationships like Amazon, and Care Credit. They do a ton […]

Filed Under: credit counseling service, debt settlement

Get Out of Debt Before it Gets Out of Control

September 7, 2021 by Mrs. MoneyJar Leave a Comment

Get help to get out of debt now, before it grows into a bigger problem.

If you’ve already read my first article, 5 Steps to Get Out of Financial Purgatory, you know that we’ve reached step #3 on the list. And, although, I am definitely not an expert on getting out of debt, life has taught me that you can’t wish it away or bury your head in the sand. […]

Filed Under: bankruptcy, credit counseling service, debt consolidation, debt management, debt settlement, money management

How Bankruptcy, Payment Plans, and Debt Settlement Affects Your Credit

September 7, 2021 by Michael Bovee 85 Comments

A common concern you may have when searching for the best way to get out of overwhelming debt is how it affects your credit score. What follows will help you understand credit score impacts that relate to the most common and legitimate debt solutions. This page will also help to dispel some myths that get […]

Filed Under: bankruptcy, credit counseling service, credit reports, debt management, debt settlement Tagged With: debt relief, FICO, vantage score

Best Debt Solution Options – An Overview

September 7, 2021 by Michael Bovee 51 Comments

Debt Solution Options and Cash Flow

Because the options available to eliminate problem credit card debt are limited, I often find it more productive to use a process of elimination to help determine what would be the best debt solution. Most readers will find they can narrow down the list of debt relief options to one, or perhaps two, using the […]

Filed Under: bankruptcy, Blog, credit counseling service, credit reports, debt consolidation, debt settlement

How to Find the Best Consumer Credit Counseling Agency

September 7, 2021 by Michael Bovee 6 Comments

The vast majority of credit counseling agencies in the U.S. operate as a nonprofit company. That does not necessarily mean they are charitable organizations. They still operate like any business does, with an eye on income and expenses. But they do have to meet some strict IRS standards to qualify as a nonprofit consumer credit […]

Filed Under: credit counseling service Tagged With: credit card interest rates

Top Drawbacks to a Debt Management Plan

September 7, 2021 by Michael Bovee 12 Comments

Some of the major drawbacks to debt management plans.

In my first article on credit counseling, I outlined the many benefits you get from working with a credit counseling agency in a debt management plan. But there are also drawbacks to enrolling in this form of debt consolidation. And the concerns are not minor. There are many debt relief options discussed throughout the CRN […]

Filed Under: credit counseling service, debt consolidation

Lower Monthly Payments with Credit Counseling

September 7, 2021 by Michael Bovee 71 Comments

Lower monthly payments with a credit counseling agency's help.

Consumer credit counseling agencies act as an intermediary between you and your creditors in order to establish a set, lower monthly payment plan that your creditors agree to accept, and that you can afford. The method used to lower your payments is simple enough to explain; your banks agree to lower your interest rates, and […]

Filed Under: credit counseling service

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