These companies call credit card companies and other companies that their clients owe money to and negotiate payment schedules and sometimes even reduction in payments. The client pays them and they pay the credit companies, therefore minimizing the relationship between the client and the collectors.  Do they help?  It depends. If a person seriously follows a credit counseling services advice, closes out all of their credit cards, and really focuses on paying down their debts, then these services can help. However, if they just pay it off and leave the cards open, the temptation is there to use the cards again.

Lets talk about Credit Ratings

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