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Expert Author Michael Martin's Articles

 
  • Unscrupulous Agencies Hurt Public Image of Credit Repair Counseling
    Once considered a positive step for people seeking to repair their credit, credit counseling has suffered recently from reports of deceptive actions by unscrupulous agencies. Since many consumers do not understand that credit repair agencies can only assist with debt reduction, some agencies have attempted to make clients believe they can also help improve credit ratings. Consumers must be aware that if the information on a credit report is correct, no agency will be able to have it removed.
  • Reducing Your Credit Card Debt One Day at a Time
    Though debt reduction is a common goal, it is difficult to carry out as long as consumers feel swiping a credit card is easier than paying in cash. If you are carrying too much debt for your own comfort, there are four simple steps you can take every day to help you reduce your debt. Following these steps will help you break the cycle of debt, and regain control of your financial future.
  • Are Non-Profit Credit Counseling Agencies a Better Bet for Consumers?
    In the world of credit counseling, non-profit agencies enjoy special benefits because of their status and have a better reputation among both creditors and debtors. Before enrolling in a credit-counseling program, be sure to research carefully the agency you have chosen. Agencies accredited to by the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies offer reputable services to their clients.


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