light impact on your crein Share With Other Members Tue Aug 13, 2019 1:45 am
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Using a debt consolidation company to assist you with your financial problems will have a slight impact on your credit score. Compared to the damage not paying your bills Rush Trevon Wesco Jersey , letting them go into collections or filling bankruptcy, the small fluctuation in your score is basically nondescript. Charge off status and collection accounts can damage your credit score for many years. Bankruptcy, chapter 7 or 13 will remain on your report for a minimum of ten years making it virtually impossible to reestablish credit.
If you file for bankruptcy, for example Rush Jachai Polite Jersey , your credit score is automatically dropped by 350 points! This is enough damage to ensure that it will be years before you will ever be able to establish credit again –more than 7 years. Allowing your credit cards to go into charge off status when the account is turned over to a collection agency will also severely impact your score.
When you use a debt consolidation company your accounts will be marked as paid or paid in full. This is just one step below “paid as agreed” which is the highest rating you can receive. Over a very short period of time the small impact that this distinction has on your report will fade and your score will rebound. If you continue to practice good payments and keep everything else in tact, you will raise your score and be able to reestablish credit fairly easily.
The most important issue is to abide by the repayment plan that is established for you by the consolidation company. The debt consolidation counselors have the ability to make arrangements with the creditors to not only create a payment plan that will benefit both parties, but do so in a manner that will lessen the impact on your overall credit score.
You are highly advised, to check the company you are going to work with against the Better Business Bureau.
NOTE: By researching and comparing the best debt consolidation services in the market Rush Chuma Edoga Jersey , you will determine the one that meets your very specific financial situation.
You are very welcome to visit the Erase Debts website – where you can see the best rated debt consolidators on the market.
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