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The debt consolidation officer will contact all of your collectors and negotiate better terms for you. You ' ll pay them one monthly sum to cover all your debts and your debt counselor will disperse the money to all your creditors. The debt consolidation will show up on your report, but it ' s much better than collection accounts or bankruptcy. A few popular consolidators to look into include My Credit Group, Lexington Law and Care One.

Finding quality free credit repair may not be simple, but there are many resources for you to turn to, listed at " Ccc Services ". At the Association of Independent Consumer Credit Counseling Agencies ( AICCCA ), you can gain access to a list of quality counseling companies. The National Foundation for Credit Counseling is a nonprofit company that helps consumers maintain financial stability. You can avoid credit repair scams by going through these organizations, checking companies through the Better Business Bureau and not paying large upfront fees to accomplish your goals.