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Credit Card Debt | Top Companies: This Week's Reviews |
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| Services Offered:
Credit card debt management, credit monitoring, credit
reporting, identity theft protection |
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| Company Overview:
Credit Diagnosis offers credit card debt management to
all consumers. They have many different tools, including
credit reporting and repair, as well as identity theft
protection, fraud protection services, and credit
scores. They serve millions of consumers each year, and
have been in business since 2006. |
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| Our Review:
Credit Diagnosis is a great company. They have many
useful services for people who are looking to manage
their credit card debt. The website is very simple to
use, as are all the tools that users are provided with,
and the customer service is outstanding. |
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| User Review:
When I decided to get control of my credit debt
situation, I found that there were so many places to
monitor my credit that it was easy for me to feel
overwhelmed with the situation. However, I found Credit
Diagnosis, and right away I felt like they were the
right place for me. Five years later, my credit is near
perfect, and I still monitor it with Credit Diagnosis,
as I probably always will. |
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| Services Offered:
Credit card debt settlement plans and information |
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| Company Overview:
Debt Free in Three has been around since 2005, and was
founded by owner Clint Holland. The program offers a
great solution to traditional credit debt settlement
that allows you to pay off your debt faster. The company
has helped thousands of customers since they began, and
the services you receive are guaranteed. |
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| Our Review:
Debt Free in Three is a great program to work with.
Every person who needs credit card debt settlement
options should consider these tools. For starters,
anyone with excessive debt can actually pay it off much
faster than they might think possible because of the way
that the program works. The customer service is great,
and since this guy stands behind his product, we’ll tell
you to give it a shot. |
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| User Review:
Debt Free in Three made my life a million times easier.
They helped me to find the right way to pay off my debts
on my schedule, so that I wouldn’t have to worry about
having them on my shoulders for the rest of my life. |
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| Services Offered:
Credit card debt solutions and information |
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| Company Overview:
Living on a Dime is a mother-daughter owned company that
has been in business since 1999. They have an
informational book that explains the lifestyle that
they’ve been living for the past 20 years. Through this
book, they teach people how to pay off debts and remain
debt free by living frugally. |
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| Our Review:
Living on a Dime is definitely worth a look if you are
in over your head with credit card debt. While most
credit debt settlement companies will fix your problems
for you, this company teaches you how to rearrange your
life so that you can fix your own credit problems. |
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| User Review:
Living on a Dime wasn’t what I expected, but I was
impressed with the service. Credit card debt was taking
over my life, but I wanted to fix my own habits rather
than just fixing the debt. The Living on a Dime
information helped me to learn a whole new way of
living. |
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| Services Offered:
Credit card debt consolidation and settlement options. |
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| Company Overview:
DebtRite has been around for more than 5 years helping
consumers to pay off their debts. They have credit debt
solutions for everyone, regardless of their financial
situation. In many cases, DebtRite is able to reduce
debts by up to 60% for consumers. |
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| Our Review:
DebtRite is a great answer to anyone’s credit card debt
problems. They offer so much assistance to all types of
people regardless of need, and they’ve got something for
everyone. It doesn’t matter if you’ve got $20,000 in
debt or $500,000, because they’ll help anyone. Plus,
their customer service is amazing and their website is
really easy to navigate. |
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| User Review:
Debt Rite was able to get me a great settlement for all
of my credit debt accounts. They actually got the
companies to take off about 25% of the penalties and
fees that I had, too, making my debt that much easier to
pay off. I’m forever grateful for the gift of having my
life back! |
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Other Top Companies for
Credit Card Debt : |
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How to Avoid Credit Card Debt: |
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It might be
easier said than done for many, but there is one
surefire way that anyone can avoid credit card debt if
they’re brave enough to try it out. The best way to
avoid credit card debt is to quit using credit cards.
There are people who live their whole lives without
credit, because they don’t want the financial obligation
hanging over their heads. If you can be one of those
people, that’s the best way to stay out of debt. If you
can’t fathom living without your plastic and being able
to spend what you want regardless of what your bank
account says, then you might not have as much success at
this option. For these people, you should know that
using credit can be done right, and without causing you
to get in over your head. You will need to exercise
self-control. This includes knowing when you can afford
to use the cards, and when you can’t. Also, you’ll need
to learn how to spend what you want, and then pay the
balance off every month. And in reality, you should
never pay off the whole balance, because it’s much
better to have a small balance on your credit cards to
show that they’re being used than to have no balance.
When you go to get a loan or another type of financing,
they’ll see that you have these cards that don’t look
like they’re being used, which makes you less
creditworthy because of a lack of use. It seems kind of
complicated, but it’s not really. Those who have credit
and use it look more creditworthy than those who have
credit and don’t use it. Avoiding credit card debt is
sometimes nearly impossible, especially when you get
into a tough financial situation. However, it can be
done, as long as you’re willing to take the time to
learn how to manage money and better use your credit to
its full advantage. That means don’t spend $5,000 a
month if you can’t afford to pay it off when the bill
comes. And if you can’t afford something in the first
place, you shouldn’t buy it at all. Being informed and
prepared is often the best way to avoid credit card debt
and other financial disasters.
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