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	<title>Comments on: Are there credit counseling options if you have good credit?</title>
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		<title>By: Brown C</title>
		<link>http://astrologyandpsychicssite.com/counseling/are-there-credit-counseling-options-if-you-have-good-credit/comment-page-1#comment-2170</link>
		<dc:creator>Brown C</dc:creator>
		<pubDate>Sun, 05 Jul 2009 15:56:59 +0000</pubDate>
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		<description>yes there are many online sources who provide debt consolidation loan even with bad credit or no credit and also with minimum rate of interest try to contact them and get your problem resolved, for your reference http://www.ezconsolidation.com my one of friend has consolidate his loan from there and with bad credit and also wit a minimum rate of interest, try this source may this could help you.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>yes there are many online sources who provide debt consolidation loan even with bad credit or no credit and also with minimum rate of interest try to contact them and get your problem resolved, for your reference <a href="http://www.ezconsolidation.com" rel="nofollow">http://www.ezconsolidation.com</a> my one of friend has consolidate his loan from there and with bad credit and also wit a minimum rate of interest, try this source may this could help you.<br /><b>References : </b></p>
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		<title>By: Studly</title>
		<link>http://astrologyandpsychicssite.com/counseling/are-there-credit-counseling-options-if-you-have-good-credit/comment-page-1#comment-2169</link>
		<dc:creator>Studly</dc:creator>
		<pubDate>Sun, 05 Jul 2009 15:44:59 +0000</pubDate>
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		<description>I would first investigate going to a non-profit debt counselor.  You seem to be aware of your situation and don&#039;t need to spend a fortune on worthless credit counselors who are more interested in selling you their services then actually helping you.

In your case, I would investigate a &quot;Home Equity Line Of Credit&quot; and use that to pay off your credit cards.

But here is a MAJOR piece of advice.  If you do this, you MUST stop using credit, or at least become extremely aware of your spending.  

Over the past 10 years consolidation and home equity loans were extremely popular.  People got them and paid off cards, only to turn around and run up those &quot;now empty&quot; cards all over again.  They are now twice the amount in debt, can&#039;t catch up.

The result?  Foreclosure.  Bankruptcy.  You see it all the time now, because people don&#039;t know any better.  

Your 760 credit score should get you a very good rate on a loan.  But unless you plan to make a serious budget don&#039;t consider it.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>I would first investigate going to a non-profit debt counselor.  You seem to be aware of your situation and don&#8217;t need to spend a fortune on worthless credit counselors who are more interested in selling you their services then actually helping you.</p>
<p>In your case, I would investigate a &quot;Home Equity Line Of Credit&quot; and use that to pay off your credit cards.</p>
<p>But here is a MAJOR piece of advice.  If you do this, you MUST stop using credit, or at least become extremely aware of your spending.  </p>
<p>Over the past 10 years consolidation and home equity loans were extremely popular.  People got them and paid off cards, only to turn around and run up those &quot;now empty&quot; cards all over again.  They are now twice the amount in debt, can&#8217;t catch up.</p>
<p>The result?  Foreclosure.  Bankruptcy.  You see it all the time now, because people don&#8217;t know any better.  </p>
<p>Your 760 credit score should get you a very good rate on a loan.  But unless you plan to make a serious budget don&#8217;t consider it.<br /><b>References : </b></p>
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		<title>By: howtogooru</title>
		<link>http://astrologyandpsychicssite.com/counseling/are-there-credit-counseling-options-if-you-have-good-credit/comment-page-1#comment-2168</link>
		<dc:creator>howtogooru</dc:creator>
		<pubDate>Sun, 05 Jul 2009 14:57:59 +0000</pubDate>
		<guid isPermaLink="false">http://astrologyandpsychicssite.com/counseling/are-there-credit-counseling-options-if-you-have-good-credit#comment-2168</guid>
		<description>You don&#039;t need bad credit for debt management programs. Actually, it will make things easier for you I would think. Check out this site to for researching the options
http://www.mycyberadvisers.com/debt-management-program.html
and if you want to receive a FREE, no obligation customized report based on information that YOU input, go here
http://www.mycyberadvisers.com/free-credit-card-debt-report.html
I went through the same general problem a few years back and I did all the research you are about to do, and ended up going with a debt management program. I was debt free in less than 30 months and was paying only 1.5% of the total 
debt as minimum monthly payments!!! On average, you pay 3.5% of the total as your minimum without debt management.
Good luck and God bless!.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>You don&#8217;t need bad credit for debt management programs. Actually, it will make things easier for you I would think. Check out this site to for researching the options<br />
<a href="http://www.mycyberadvisers.com/debt-management-program.html" rel="nofollow">http://www.mycyberadvisers.com/debt-management-program.html</a><br />
and if you want to receive a FREE, no obligation customized report based on information that YOU input, go here<br />
<a href="http://www.mycyberadvisers.com/free-credit-card-debt-report.html" rel="nofollow">http://www.mycyberadvisers.com/free-credit-card-debt-report.html</a><br />
I went through the same general problem a few years back and I did all the research you are about to do, and ended up going with a debt management program. I was debt free in less than 30 months and was paying only 1.5% of the total<br />
debt as minimum monthly payments!!! On average, you pay 3.5% of the total as your minimum without debt management.<br />
Good luck and God bless!.<br /><b>References : </b></p>
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		<title>By: nas_carfan24</title>
		<link>http://astrologyandpsychicssite.com/counseling/are-there-credit-counseling-options-if-you-have-good-credit/comment-page-1#comment-2167</link>
		<dc:creator>nas_carfan24</dc:creator>
		<pubDate>Sun, 05 Jul 2009 14:42:59 +0000</pubDate>
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		<description>Sure there is. Credit counseling services aren&#039;t just for people with &quot;bad&quot; credit. I would recommend Cambridge Credit Counseling Services. They do a great job and work closely with you. They could probablyl knock that 18K out in a couple years, maybe 3.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>Sure there is. Credit counseling services aren&#8217;t just for people with &quot;bad&quot; credit. I would recommend Cambridge Credit Counseling Services. They do a great job and work closely with you. They could probablyl knock that 18K out in a couple years, maybe 3.<br /><b>References : </b></p>
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		<title>By: J.fountdimples</title>
		<link>http://astrologyandpsychicssite.com/counseling/are-there-credit-counseling-options-if-you-have-good-credit/comment-page-1#comment-2166</link>
		<dc:creator>J.fountdimples</dc:creator>
		<pubDate>Sun, 05 Jul 2009 14:11:59 +0000</pubDate>
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		<description>Yes there are. Credit Counseling services are not only for peope with &quot;terrible&quot; credit. It is also for people that do not wan their debt to become any worse than it is, and even people with a pretty good FICO. Go to experian.com for more information on credit counseling. Equifax and Transunion also have sites that are tremendously helpful with issues such as yours.&lt;br&gt;&lt;b&gt;References : &lt;/b&gt;&lt;br&gt;</description>
		<content:encoded><![CDATA[<p>Yes there are. Credit Counseling services are not only for peope with &quot;terrible&quot; credit. It is also for people that do not wan their debt to become any worse than it is, and even people with a pretty good FICO. Go to experian.com for more information on credit counseling. Equifax and Transunion also have sites that are tremendously helpful with issues such as yours.<br /><b>References : </b></p>
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