Credit & Debt Management Control

Credit card releif question…PLEASE HELP!!!!?

Okay…so I pay a little bit more then the minimum fee every month and my balance still never seems to go down!!!! Last month I paid $100 and my balance only went down about $30! All the rest went to finance charges. I’m living pay check to pay check and I can’t afford to pay much more than that. This card is killing me! I asked the company (WaMu…previously Providian) to lower it. But they said no. I’ve gotten denied for other “blance transfer” offers I see online. But my credit is decent (about 670). I owe about $3500 on it and I’ve been stuck at that amout for months. And I don’t even use the card anymore.

Does anyone know of any good card i can do a balance transfer on? Or any program for smaller debt relief? I feel so hopeless.

I own a Debt Settlement company and I can tell you that in your case steer clear of settlement with a FICA score like yours It is not the program for you. We are here for people on the verge of Bankruptcy.
Get a personal loan or a credit card with lower interest rate but leave your credit card open . Cosing it will affect your score.
I would try the above two things first and leave CCC as my last third option as they do show on your credit report and some lenders see that as a negative. I know one of the largest refinance lenders for autos won’t touch a person with CCC on their credit report. They refi for some very big well know banks in the industry.
I am willing to bet you can transfer to a better rate credit card and get it paid off sooner.
Please do not let a debt settlement company talk you into a program, that is defiantly not the place for you.
Kourtnie
Prosperity Financial

Credit Card Relief Debt Settlement Program

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