Help with debt reduction companies?

Are there any good debt reduction companies out there or are they scams? I have looked at Accelerated Financial Services, Debt Reduction Services and Elite Financial Services. Are they all basically the same thing? Do they work? Are there better types of companies that work with you and your credit card company to get payments [...]

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Credit card company reduced limit w/o knowledge?

I worked my butt off to pay down my credit card with a 5,000 limit. When I got a bonus from my job I sunk nearly half of it into paying off my credit card. I felt awesome because I had reduced my debt to available credit on the card and had some emergency money [...]

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Can I improve my credit score in a month?

My credit score is 580 as of now. I signed up with MyFico, and they stated if I paid off a credit card, it would jump up to 600-640. I paid off the credit card. When will the credit card company report this? I know some report every three months but I need to rent [...]

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how adding authorized users to credit cards help improve FICO?

I am trying to help my sister improve her credit score by adding her to my credit cards as authorized user. However, the procedure seems confusing to me: 1) each credit card company ask for different information. Discover asked Name only while another MasterCard asked for address, Date of Birth etc. I wonder why? If [...]

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Can i declare bankruptcy after signing with a debt relief company like “credit solutions”?

Signed with the Credit Solutions a few months ago, and credit card company is still going to take me to court. I can't afford the payments even with the credit solutions help. What should I do? Can I declare chapter 13? Read more here

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Is it smart to use a credit card company’s personal loan offer of 6.99% to pay off credit card debt?

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Is there any statute of limitations for a company trying to collect credit card debt?

I have a credit card company coming after my wife for a credit card debt from 2000. This is coming totally out of the blue. We had paid off all of her credit card debt back in 2002 before we got married. We got rid of all proof of payments that we made on her [...]

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