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The credit laws do allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete. You may choose to do this yourself or employ the help of a legal credit repair company. If you are heavily in debt, you may also want to consider a debt elimination or consolidation plan with the help of a professional.
If you can't solve your credit issues by yourself or you want additional help, you can contact a credit counseling service. There are non-profit companies in every state that help people in debt.
Counselors try to negotiate payment plans that are acceptable to you and your creditors. They also can help you work at a new household budget. Free Debt Management - there is help out there.
A bill paying service is not the same things as a debt consolidation service. Be careful not to confuse the two. Debt consolidation is a way to save you money. Bill pay is a way to make your life easier by paying your bills for you. It does not help you lower your debt. So, what is needed? free debt management
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Debt Consolidation
