Hi! I have been looking at this board for a while and have seen some great info! First, I didn't even know it was possible to have a "late" deleted from your credit report if you pay for it. Very interesting! My husband and I have been contemplating credit counseling since our debt is giving me major anxiety and I feel like we are in a hellish cycle, to put it mildly. However, somethign about ccs makes me a bit nervous. Is it possible to negotiate w/ the creditors directly to lower interest rates/ help you pay them off? I really don't know what to do. I have had some erroneous info on my credit report which I have disputed successfully--or supposedly successfully--I am still waiting for the actual report to update. How have any of you successfully worked w/ creditors to pay off debt w/out going into ccs?
thanks so much.
