Hi.. So I am trying to consolidate all of my debt,

Hi.. So I am trying to consolidate all of my debt, i pulled my credit report in July, from free credit report.com, and i had all three credit scores, which were different and also had different amounts of what i owed. What is the best way to contact my creditors, should i call one of the credit score company's? I need to get a correct balance of what i owe on everything...

3 Answers

Soaplady is correct. You need to contact each creditor individually. Check out the steps to consolidate debts on your own:

http://www.debtconsolidationcare.com/diy/#debt-consolidation


Yes, I agree with Soap Lady. Credit scores will certainly vary with different credit rating agencie and therefore you have to call up evey credit reportion agency to know about the exact baalnce that you owe. If you could get the information about which credit bureau your debt consolidation company refers to, that would have been good for you. But mostly, you may not come to know about it.


Scores usually at different at each one of the credit reporting agencies....they will not be the same.  They have different scoring, different criteria.

You would need to call each individual creditor to find out your balance. Keep in mind you cannot include secured debt, student loans or utilities in a consolidation loan program.

 

 

 

 

 

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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