i need a advice
Today, i had to start from some place to get my financial situation clean up and i need a advice.Last couple years i got myself into debt and trying to get out of it while i think my credit score is going down.
here is the my plan and please help me with it.
*first i have to get my credit score from big 3, but they dont include my credit score and they charge fee last time when i did try to get it, so what is the free way to get it?
*Gather all my credit card debt, and interest rates which has been going up even though i have been paying on time and getting letter from them to reduce my credit limit? what is good way to stop it? yes indeed i did call them and ask them nicely to reduce my interest rate, they didnt even try.
*I was thinking to use one of those credit card counselling services to make one monthy payment but here i am reading here that i have tobe really careful with them or not use them at all and what is the debtadvice.org do? anyone try them and how it works, i didnt check them out yet.
*I have been really living on a budget and i am not a big spender but since the recent job cuts and all i m really trying hard, please if you have any advice let me learn, thank you to all
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