I can't seem to find a thread on this topic but what are the short and long term effects of using Greenpath or similar credit counseling services. Does Fico code the score diffrently. I enrolled for Greenpath all creditors agreed then went apartment hunting was told score tanked to 487 by one complex. Isn't that just as bad as Bankruptcy? how long does it take to recover from Greenpath/CCCS versus a Bankruptcy versus not paying at all and a judgment reporting. Arn't they about the same if your score is gonna tank 200 points. BTW I have no collections and only one account at the time was 30 days late. Which was Macy's.I need some input.
Chapter 7 Discharge April 2015. .Transunion 662 07/2017
Equifax 652 07/2017
Experian 657 07/2017
Cap One QS $2,200; Cap One QS$2,950; Cap One PSVisa $1,100; Nordstrom Visa $3,500; Target $300; Syncb/Walmart $500; VonMaur $500; Cap1/Saks $500; Barclays MC(AU) $6,400; Buckle $250; Syncb/Car Care (AU) $2,500.
