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Contributed by mm | September 3, 2006 1:51 AM PST
Bankrate has an excellent review of common misconceptions of debt management. Here is the next installment: Debt Management Plan Helps Your Credit Rating..
It is not a given that debt management plan can help your credit rating. Better run it with some free online credit score models.
From Bankrate:
The second question Greenberg asks before signing with a DMP: Is your credit rating pristine? If you've managed to pay your bills on time to this point, know that this step will muck up your credit history. The home equity line might make more sense here, Musci says.
On the other hand, if you've missed payments and it already shows on your report, credit counseling won't make it worse. That's when a DMP can improve some situations, as creditors sometimes applaud that you're finally taking steps to handle debt appropriately.
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Bankrate has an excellent review of common misconceptions of debt management. Here is the next installment: Debt Consolidation Always Saves You Money.. As like in the case of any other financial products, be viligant about what you sign up for. Read the fine prints before ...
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Bankrate has an excellent review of common misconceptions of debt management. Here is the next installment: You Need A Formal Program To Get Out Of Debt.. Yes, living below your means, or the mental spending discipline, is even more important than any fancy debt management ...
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