![]() ![]() Within 8 months I doubled my debt and i have a loan at 29% for 27K and a monthly interest of 360 dollars!!!! I wouldn't trust ********, Debt Consolidation or anyone calling you. ![]() The Debt Consolidation came in to save the day but now my debt was at 23K! ******** added another 8K to my debt for holding my money, not making payments and then Debt Consolidation made a loan on my behalf with Achieve for 27K to pay of the debt. No problem BUT ******** took my monthly deposit and say on it causing my debt of 15K to amass late fees, charges and increase exponentially. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies.ĬreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.Debt Consolidation called with a "wonderful opportunity" to resolve my debt and led me to believe that they were working directly with ************************ and that they would pay off the negotiated debt with a loan and then I would pay them. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Your CreditWise score is a good measure of your overall credit health, but it is not likely to be the same score used by creditors. Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models. The third parties listed are solely responsible for their products and services, and all trademarks listed are the property of their respective owners. ![]() For specific advice about your unique circumstances, consider talking with a qualified professional.Ĭapital One does not provide, endorse or guarantee any third-party product, service, information, or recommendation listed above. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. But the CFPB says a reputable company should provide free information about its services. By negotiating extensions to repay loans and asking creditors to lower interest rates and waive fees, counselors may be able to lower overall monthly payments-not necessarily the total owed, though.Įven though credit counseling companies are usually nonprofit organizations, they still may charge fees to handle debt management plans and other services. Debt management plansĪccording to the CFPB, debt management plans involve making a single payment through a credit counselor who then makes monthly payments to creditors. The National Foundation for Credit Counseling and the Financial Counseling Association of America are two resources for finding reputable services. Organize a debt management plan to pay down debts.Help secure copies of credit reports and scores.Assist with budgeting expenses and debt payments. ![]()
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