A friend told me I should call and only speak to a manager. And to tell them I am preparing to file for bankrupcy. Tell them, I really am trying to avoid it, but I can't handle my bills; and they will either reduce my APR or freeze it for a certain length on time. Has anyone done this/ tried this???
The presence of a DMP, by and of itself, isn't supposed to hurt your score. But it depends on whether they pay promptly, close cards, etc. And of course, lenders might consider it negative.
doesn't clearpoint close ALL your credit cards out and settle with them?what did that do to your credit vs. paying regular without closing accounts.isn't almost as bad as bk when you work with credit counselor.
What's Not in Your FICO® Score
FICO scores consider a wide range of information on your credit report. However, they do not consider:
Whether or not you are participating in a credit counseling of any kind.