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One of the most tedious and complicated tasks of starting a business is to “find and purchase” a relevant domain name (website address) that can provide both exposure and recognition. We have done all the hard work to compile a list of domain names (available here) that you can purchase from us. Simply select your domain name from the list and get 10% discount of the advertised price.
Pay your bills on time: delinquent payments, even if only a few days late, and collections can have a significantly negative impact on your FICO Scores. Use payment reminders through your banks' online portals if they offer the option. Consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account.
In 1993, the Financial Counseling Association of America (FCAA) was founded as an alternative to the NFCC. The FCAA focuses on some of the newer technologies and allows counseling by phone and online. Consequently, credit counseling agencies can reach a wider geographical area. CCCS agencies may be a member of the NFCC or the FCAA but aren’t required to operate under either organization.

Advertiser Disclosure: The credit card offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however, the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

They may be willing to waive some of the late penalties or spread the past due balance over few payments. Let them know you're anxious to avoid charge-off, but need some help. Your creditor may even be willing to re-age your account to show your payments as current rather than delinquent, but you'll have to actually talk to your creditors to negotiate.
Most businesses shut down within the first 5 years. And this is because they can’t grow their customer base on a consistent basis. Without leads, your business won’t grow. The Client Dispute Manager has free training on how to generate credit repair leads. The software is full of software training videos that will guide you step by step. You will learn how to generate leads on Facebook, Google, YouTube, and more. Our software is a powerful tool that will help you work efficiently and automate everything.

If you are one of the many millions of Americans that are facing student loan debt, ACCC can help you find the right student loan solution.  Our counselors will provide you with an in depth evaluation of your finances and assess your particular student loan circumstances. If you are looking for student loan relief ACCC’s student loan counseling will help.  ACCC will review and explain the various student loan relief options available as well as help you determine qualifications based on your financial situation.  The student loan counseling will successfully help you sift through the clutter no matter what stage you are in with your student loans.


Bankruptcy. Declaring bankruptcy has serious consequences, including lowering your credit score, but credit counselors and other experts say that in some cases, it may make the most sense. Filing for bankruptcy under Chapter 13 allows people with a steady income to keep property, like a mortgaged house or a car, that they might otherwise lose through the Chapter 7 bankruptcy process. In Chapter 13, the court approves a repayment plan that allows you to pay off your debts over a three to five year period, without surrendering any property. After you have made all the payments under the plan, your debts are discharged. As part of the Chapter 13 process, you will have to pay a lawyer, and you must get credit counseling from a government-approved organization within six months before you file for any bankruptcy relief.

Credit.org partners with nonprofit credit counseling agencies to offer Debt Management Plans (DMPs). These plans consolidate a consumer’s unsecured credit and debt payments into one convenient monthly payment. Some of the advantages of having a Debt Management Plan include concessions from your creditors including a reduction in interest rates or elimination of late fees.
If you were to obtain 100 customers paying you $99.00 a month, that’s $10,000 a month. This is an estimate. The possibility of earning more every month will open doors to new opportunities for you. Therefore, we recommend that you take baby steps and add one customer at a time until you reach your goals. Acquiring customers is not as hard as you may think if you have the right skill set when it comes to lead generation. We offer this to you for free.
Just because you have a poor credit history doesn’t mean you can’t get credit. Creditors set their own standards, and not all look at your credit history the same way. Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.
Talk with your credit card company, even if you have been turned down before. Rather than pay a company to talk to your creditor on your behalf, remember that you can do it yourself for free. You can find the telephone number on your card or your statement. Be persistent and polite. Keep good records of your debts, so that when you reach the credit card company, you can explain your situation. Your goal is to work out a modified payment plan that reduces your payments to a level you can manage.
Unfortunately, rehabilitating a credit score is not as easy or as quick as its destruction. While delinquencies account for more than a third of your score, there is hope. Implement the steps in the section "Repairing Negative Information on your Credit Report". While solving old debt problems, stay current on your existing debt to have maximum impact for your effort.

Set a budget and stick to it. A budget is simply a plan to direct parts of your income to specific expenses. Budgets can be simple or detailed. Determine how much you can comfortably set aside for savings and how much you can reasonably afford to pay of your debts. Try to lower your fixed expenses as much as possible so you can put more money towards fixing your credit.[3]

Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not include all credit card companies or all available credit card offers.
Your payment history is the most important factor in your FICO credit score and accounts for 35% of most scores. VantageScore doesn’t provide percentages, but the percentages used are likely similar to FICO’s. And even just one late payment can drop your scores significantly. Having a good payment history is critical to maintaining healthy credit accounts.
Scoring models consider how much you owe and across how many different accounts. If you have debt across a large number of accounts, it may be beneficial to pay off some of the accounts, if you can. Paying down your debt is the goal of many who've accrued debt in the past, but even after you pay the balance down to zero, consider keeping that account open. Keeping paid-off accounts open can be a plus in your overall credit mix since they're aged accounts in good (paid-off) standing. You may also consider debt consolidation.
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