Kimbery Credit Counselings Blog
Friday, December 12, 2003
How does your program affect my credit report?
This really depends on the creditor. While most creditors will waive late fees and re-age your account, it is important to consider this as an extra incentive to work with a debt consolidation company especially when you are behind in payments. Some creditors will make a notation in your credit report such as "Managed by Credit Counseling." Generally it is neither a plus nor a minus on your credit due to the fact that you are still making the payments. Also, your payments are computed based upon each individual creditor's requirements (what they deem to be acceptable). We do not report to the credit reporting agencies however, it is in the sole discretion of your creditors whether or not they report your credit counseling status, with most credit agencies acknowledging our program is a responsible way of dealing with overextended credit issues.
Kimberly Credit Counseling and debt consolidation
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