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Issuer: Debt-Relief
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It is substituting secured debt for unsecured debt and you could lose your home over a bunch of unsecured credit card debt if you get injured or can't afford your new higher monthly payments.Also, and these are verifiable published reports,american express blue balance transfer 77% of all people who refinance their way out of credit card debt are right back at the same level of credit card debt 2.5 years later on average only now with less equity in their home. So it obviously isn't fixing the problem.why?Because no behavior modification was needed. You made american express blue balance transfer it too easy on them to just refinance out of cc debt. No financial planner will ever recommend that route.In settlement though they have to go without using credit cards for 2 to 3 years and do go through behavior modication as does an alcoholic in rehab. Secondly,express blue balance american transfer credit counseling entries on your credit report are as bad as bankruptcy entries they will crash your FICO for 10 years and take you from a 700 FICO down to low 500's literally overnight.Debt settlement on the other hand is only a late pay on your credit report. Late pays bring down a 700+ FICO about 40-50 points, they bring down 600+ FICO's about 30 points, and bring down 500+ FICOs about 10-20 american blue balance express transfer points. But more importantly, the FICO goes back up more than the drop from late pays as we eliminate the debt so their debt to income ratio goes down to zero and their FICO is back up higher than it was before they joined a settlement program even with the late pays on there, but we demand a withdrawal of the late pay entry as part of the negotiated settlement and get that 99% of the time.Superior Debt Relief is the only debt settlement company that pays for three levels of credit restoration afterwards to bring the FICO up even higher.Settlement is one of the methods used by mortgage consolidation people to get someone qualified into a home that was denied financing due to too high of a debt to income ratio.

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With today’s credit card companies, there are many opportunities to get your cards rate of 21% or more reduced. The higher the amount of interest your card charges will cost you more for a simple purchase and ultimately may take you years to pay off instead of months, should you make the minimum payment allowed. People often just pay the minimum balance as a way to improve their credit rating; this couldn’t be a more dangerous way to increase your credit score. Leveraging the credit card company to say “Uncle” to your ability to switch over is easier than you think.

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