How can I improve my credit score after consumer credit counsling?

I am currently enrolled in a consumer credit counsling and I know now, after working in credit services, that this is hurting my credit score, I want to take myself off of the program and pay back my creditors on my own, being in a more financialy stable position than when I origionally enrolled, the website says if I pay off my creditors without going through my ccc company, or removing myslef from my %26quot;re payment program%26quot; I will not recieve a %26quot;letter of release%26quot; which they claim will make it %26quot;virtually impossible to re-establish my credit%26quot;...is this true or just a threat to keep you enrolled....I assume it would be better to be off this program paying my credit cards back by myself...can i re-establish my credit without thier %26quot;letter of release%26quot;?

How can I improve my credit score after consumer credit counsling?

ask someone with good credit (and that u trust) to get a card in ur name...even if u never use it...u automatically adopt their credit score, or at least some of it. but if they don%26#039;t pay the bill...ur also liable since ur an authorized user on the account.

How can I improve my credit score after consumer credit counsling?

I have never heard of you being hit because you are in a CCC program. I worked in a bank for over 8 years and viewed alot of credit bureau reports. I know the thing that they looked at was your credit score being number one, then they looked at how many open accounts you had, then it was your payment history.

To establish credit at a bank, it is easiest to open up a savings account. Keep that in good running for a period of time, then talk to them about a checking account. Then if you keep those accounts in good order you could look to them for a small loan.

Its not easy or fast to restore your credit, but its worth it in the end.

How can I improve my credit score after consumer credit counsling?

You can start off by getting a secured loan (credit card or personal loan).

I would suggest that you talk to a live person and see what they can do. It seems like there is a misunderstanding on what the CCC is trying to say. They suppose to help you get back on your feet.

How can I improve my credit score after consumer credit counsling?

Grab and pencil and write this down...

1000 times...

Credit Counselling Agencies are a SCAM!

OK, do it...I%26#039;ll wait........

Ok, now your question. Can you dump your Credit Counselling Agency? Do they really help you?

%26lt;sigh%26gt;....ok, read that paper again.

As you have already concluded on your own, credit counselling agencies do exactly the same thing that you can do yourself, only they charge you.

They WILL hurt your credit. (It%26#039;s probably already damaged and I%26#039;m not sure you can fix it).

That %26quot;letter of release%26quot; is written on toilet paper, cause that%26#039;s what any potential loan officer is going to do with it. It%26#039;s not going to impress anyone, nor help your credit.

Read the links below, they will help you get started.

You are about to go to war. Knowledge of the law is your only weapon, so GET ARMED!