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Consolidating credit card debt companies

consolidating credit card debt companies-41

Each one has a distinguishing feature that makes it an appropriate – or inappropriate – solution for your problem.It’s up to consumers to sort through the choices and determine which company meets the goal of eliminating debt.

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If they receive bonuses for selling additional services, that should be a red flag.The star rating below is based on Debt.org’s review of each organization’s fees, transparency, Better Business Bureau rating and complaint history.Company Description In Charge is a 501 (c)(3) nonprofit that specializes in credit counseling and debt management programs.It’s a lot easier to deal with a debt consolidation company that is transparent about its practices, discloses all terms and conditions involved in doing business and freely provides information to verify whatever claims or guarantees it makes to customers.Being transparent about business practices helps build trust between the consumer and business.Comments Competitive interest rates and quick approval process make this an appealing choice. Process eventually will include hard inquiry on credit score, which must be 640 or better. Company Description Wells Fargo & Company is the third largest bank by assets in the U. Comments A lot of options for debt consolidation loans, but rules associated with each option can be confusing.

Good credit score and equity in home or car make a big difference in interest rate charged for loans. Comments Company offers quick response on loan requests, but rates expire in 7 days, which means you better be ready with a decision. No telephone number on website a problem for customers wanting service.

A company should make you feel like it has your best interests at heart at all times.

Most debt relief companies can help you settle your unsecured debts, including credit card bills, unsecured personal loans, payday loans, medical and hospital bills, department store credit cards, accounts in collections and certain utility bills.

Borrowers file financial information and are matched with investors who fund the loans.

Prosper services the loans on behalf of both borrower and lender. It offers secured and unsecured personal loans for debt consolidation.

Some of the basics include how long the company has been in business, a page that lists its top executives, the company’s physical address, hours of operation and phone number.