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| · What effect will this have on my credit when buying a house or car?
The fact that you are on the program by itself should not have any effect on your ability to buy a home or car: however, the best thing to do is find out what the bank's guidelines are for qualifying. [ Back to Top ] |
| · Will this affect my credit?
Christian Credit Counselors does not report you to the credit reporting agencies.Your creditors report your payment history. We help by giving you a reasonable plan you can live with. In MANY cases, a debt management program is seen as a positive step by creditors. [ Back to Top ] |
| · Shouldn't I try to get a loan?
Why borrow more money at high interest? That may already be part of the problem! Our program makes much more sense. Remember - we are helping you get lower payments and interest. And THAT'S the way to get out of debt. [ Back to Top ] |
| · What is your interest rate?
Christian Credit Counselors is not a loan company, so we do not charge interest. We work with your creditors to lower your exsisting interest rates and payments.. [ Back to Top ] |
| · How do you stay in business?
We are a non-profit organization. Our program receives voluntary support from financial institutions across the country and donations from clients...because it works! [ Back to Top ] |
| · Who are your supporters?
To name just a few ... Amoco, AT&T, Bank of America, Bank One, Capital One, Chase Manhattan, Citibank, Dillards, Discover, Exxon, HFC, Home Depot, Florida Hospital, G.E. Capital, Lane Bryant, Lerners, Sears, Spiegel, SunTrust, WFNNB, Target. .. and many others. [ Back to Top ] |
| · Can I pay off my accounts sooner than what is set up in the program?
Yes, you can! If you decide to pay off any accounts, please call our Client Care Center, they will contact your creditor and advise you of your balances. [ Back to Top ] |
| · Can I use my credit cards or are the accounts closed?
Your creditors will close your accounts through this program. If your goal is to get out of debt it is tough to still use your cards and get out of debt. [ Back to Top ] |
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