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Credit Help Forums
Credit help forums abound on the Internet. There you can get advice on everything from disputing information on your credit report to advice on building your credit.
Members share stories of “nasty” creditors and talk about companies that have cooperated in their efforts to get caught up with past due accounts.
In other words, if it has to do with being in debt and having your credit impaired, someone is probably talking about it on a credit help forum.
Some credit help forums are much like social networking sites, with the same members coming back again and again to give support and advice to frustrated individuals.
This can be a good thing. Consumers who are feeling down and alone over their credit troubles can get support and encouragement from other users on a credit help forum. And those who are trying to figure out how to deal with a consumer complaint that affects their credit can connect with others who have experienced the same kind of problem.
But… it can also be a bad thing, because not everyone who posts to a forum knows what they’re talking about. You can get bad advice as well as good advice.
For instance, one post I saw recommended cleaning up your credit by getting a new Social Security number and starting over. Sorry – that’s illegal. If you get caught, you’ll wish you’d stayed with the heavy debt.
Another recommended filing dispute letter after dispute letter as a way to make your creditors “give up” and just remove the negative information from your credit report.
Again – not good advice.So visit credit help forums, but before you take someone’s advice to do something that doesn’t feel quite right – stop. Check around on other forums or give your attorney a call.