puffdog said:Has anyone used any of the credit counseling services that they advertise on TV. If you have did they help or is it just another rip off ?
deberosa said:Credit counseling services can be a bad mark on your credit rating. Make them tell you what it does to your credit rating. Even though you pay everything off, the fact that you went to a service is a bad mark when it comes to getting a mortgage. I have not ever done this, but have known mortgage brokers and they cringe when someone goes to credit counseling because it's hard to get them financed.