Is there free credit counseling in the Elmira area?
341665
Check to see if there is a Consumer Credit Counseling Service in your area.  Also check with HUD (US Govt office of Housing and Urban Development).  They have loan programs that require people to go through credit counseling first.  These are usually free programs through reputable organizations.
601408
Check out http://score.org for free, real advice from retired executives.  It's a program of the SBA.  They'll even give you as much free 1-on-1, in-person counseling as you want.
874347
Going to credit counseling is almost equivalent to filing bankruptcy, do not go to credit counseling,  your credit will be ruined if you do. If you own a home, is the best way to go, to refinance it and pay off your debt, & obtain a low interest rate, if your fico is desent, sorry there is no company that works well, you simply can't trust them.\n\nThe way it works is they take a portion of your payment (which they keep) & send the rest to the creditors, ("negotiate it" ) whenever you negotiate, or settle balances or payments with your creditors it is reported to the credit bureaus as a settlement,for less than the amount.\n\nWhen you obtain a credit card, you sign a disclosure saying you promise to pay on time and as agreed, as agreed is when you signed on the dotted line, therefore it must be kept as agreed.\n\nWhatever you do, do not go to any of these companies, as I've said it will ruin your credit and if you are planning on purchasing a home any time soon, you won't be able to, having gone to credit counseling, (credit counseling) in the lender's eyes means you are not able to manage your bills and cannot pay on time, (you are a distressed consumer) therefore they couldn't approve a bigger responsibility such as a mortgage loan. \nRead these very important articles:\n\n(Knowledge is power)\n\nhttp://www.ftc.gov/opa/2004/03/credittestimony.htm\n\nhttp://www.ftc.gov/bcp/conline/pubs/credit/repair.htm\n\nhttp://www.consumeraffairs.com/news03/credit_counseling.html\n\nhttp://www.consumeraffairs.com/debt_counsel/
233109
Try freecreditreport.com.
273390
yes try Creative Mortgage out of Denver. Colorado. 1-866-488-0929 ask for Anthony in HR. they can do just about any type loan any where.
938453
I highly recommend you call these folks\nhttp://www.cccsintl.org/\nCCCS or Consumer Credit Counseling Service (if you are in the US)\nThey are a non profit credit counseling service that all major credit card, irs, government agencies recommend to help folks with bills.. might even prevent bankruptcy.. They can work with you and help you with contacting your creditors and what to say and help you settle with them, might even negotiate lower payments. etc.. I used to work for a major department store dept collection department and we always referred the worse cases to these folks... goodluck!
159997
You would want to get in with a company that is non profit as you stated in your question.  Other companies charge you a fee for doing this for you, as much as 50.00 a month.  Consolidated Credit Counselors is a company I used before the only problem I had with them is the agreement they have with the issuing banks it to make payments that is 5% of what you owe.  That was too high for me so I had no other choice but to do a bankruptcy.  In time your credit rating will improve.  But by taking action and just not walking away will definately improve your credit rating.
681871
There is a national organization called Acorn. They have especial programs for low income or low credit score. There is one office in each State all over USA. \nI'm sure they can help you with that. Let me know what happen.
268242
any credit agency...get a credit check..
766636
Be very careful with credit counseling agencies.\n\nThere are good ones out there - and there are bad ones out there.\n\nAny that charges YOU the customer - is not a good deal.  Then too there are those that have you send them your money and then you never know what happened to it.  No one gets paid and you never get it back.\n\nThe only one I can tell you for sure is legit is "Consumer Credit Counseling".  It appears to be the most respected one in the credit industry.  \n\nKnow too that lenders do not have to abide with whatever a credit counseling agency tells you the creditor will do.\n\nPLUS - talk to the creditor first is a good idea.  Explain to them that you are considering this option.  You may find that your creditors will work with you to resolve the problem you are experiencing.  My company does that.  At no cost to anyone.\n\nGood luck.
569762
the is a place called Human Services Association in Bell Gardens that have free classess and the also can refer you to ones in your neighborhood,for free and there is also the 211 number the can give you free numbers that might help you in your possition....good luck.
386177
Check the site out listed below. This little bit I copied for their web page.\n\nIt is all free, from beginning to end. There are no hidden fees or requests for credit-card information. You must supply your own paper-and-pencil supplies and buy a GED-approved calculator (about $10). But we don't charge you anything, and we don't try to sell you anything.\n\nIf you use their course and get your GED, please consider giving a donation to the site. There is no set donation amount. Even $10 can help keep the site running and helping people.
149124
most of them are scams.  but if you have a relative (spouse or parent) with good credit, you can have them co-sign a small loan (try to get a credit card at the local bank with a low credit limit - about $500 to start).  When you show responsibility in paying that, you can rebuild your credit that way
28453
Don't post this kind of message online.  You are asking for trouble.\n\nTalk to your Mom and Dad, Aunts, Uncles and family who can help.  The real problem is your inability to manage your personal finances.  Take a course or seminar on managing your money and STOP over spending.\n\nyour current situation is a tough way to learn that credit isn't free.  But hey we all make mistakes.  \n\nGood luck.
1136803
Pulaski Bank...but they do a credit check on you. Search Yahoo for low interest credit cards.
842620
I'm sorry to tell Renee that there is only one site that is absolutely free:  AnnualCreditReport.com.  It's the ONLY government approved site to get your free credit report from each of the bureaus.\nThey don't ask for your credit card # and does not require you to sign up for any services.  If you want your credit score, you will have to pay for that.\nIf you find any other site that offers a 'free credit report' ignore them.
913356
there are lenders here for people with limited credit experience\nhttp://www.wesayes.com