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Joined: May 2000
Posts: 1,228
Hard-core CEG\'er
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OP
Hard-core CEG\'er
Joined: May 2000
Posts: 1,228 |
i'm trying to help a friend re-establish credit after a bankruptcy 3 years ago... what are some good sites to check out and/or find good credit consolidation practices?
thanks!
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Joined: Feb 2003
Posts: 4,220
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Feb 2003
Posts: 4,220 |
I haven't found any single good site for credit help, although I have been looking occassionally. I ave found that most sites/articles/etc will actually recommend against consolidation. There are a number of lawsuits out there against many of the firms, namely AmeriDebt, for a number of infractions.
But if I find a good central source of info, I'll let you know.
2003 Mazda6s 3.0L MTX
Webpage
2004 Mazda3s 2.3L ATX
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Joined: May 2000
Posts: 2,127
Hard-core CEG'er
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Hard-core CEG'er
Joined: May 2000
Posts: 2,127 |
Ameridebt Files For Bankruptcy Protection And these guys are going to help your friend, LOL?
"Seems like our society is more interested in turning each successive generation into cookie-cutter wankers than anything else." -- Jato 8/24/2004
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Joined: Feb 2001
Posts: 1,756
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Feb 2001
Posts: 1,756 |
CCCS
I think it's Consumer Credit Counseling Services.
http://www.cccsintl.org/
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Joined: Feb 2001
Posts: 1,756
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Feb 2001
Posts: 1,756 |
I believe that site is in my area, but may be a large organization with chapters in other states/cities.
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Joined: May 2000
Posts: 1,228
Hard-core CEG\'er
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OP
Hard-core CEG\'er
Joined: May 2000
Posts: 1,228 |
ah - well not necessarily using a 'service' to do it, but what about some good reading on general practices?
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Joined: Jun 2000
Posts: 1,905
Master P
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Master P
Joined: Jun 2000
Posts: 1,905 |
Hmm.. http://creditmania.com/ was one I found through Google a while ago. They have some discussion forums. Let me look through my bookmarks when I get home. I might have another credit link or two.
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Joined: Jul 2001
Posts: 149
CEG\'er
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CEG\'er
Joined: Jul 2001
Posts: 149 |
'99 Black SVT
Join the SVTOA
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Joined: Aug 2000
Posts: 3,193
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Aug 2000
Posts: 3,193 |
Well... if he declared bankruptcy, does he have debt remaining that needs consolidation? I really don't believe in these consolidation services, as they are a big black mark when obtaining credit.
What he probably needs most right now is to establish credit. A store credit card and a major credit card are the best way to begin establishing credit, assuming he needs no major purchases at this time (car...). Responsible use of a credit card and a revolving charge will begin to build a positive credit history.
Brad "Diva": 2004 Mazda 6s 5-door, Volcanic Red
Rex: 1988 Mazda RX-7 Vert, Harbor Blue.
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Joined: Jun 2001
Posts: 1,541
Hard-core CEG'er
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Hard-core CEG'er
Joined: Jun 2001
Posts: 1,541 |
Having just filed bankrupcy myself ...
svtcarboy is right. Luckily for me, I have my $60k student loans that I'll begin repayment again right after the discharge, so that'll build credit again over time.
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