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Debt Free | Top Companies: This Week's Reviews |
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| Services Offered:
Debt free solutions |
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| Company Overview:
Credit Diagnosis began as a monitoring and management
tool for credit customers. They have credit reporting
and management tools, as well as credit scored, identity
theft protection, and fraud prevention services. The
company began in 2006, and helps millions of customers
each year. |
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| Our Review:
Credit Diagnosis has plenty of useful tools for
consumers who are looking to become debt free. They
don’t offer an instant solution like many debt relief
companies do, but instead offer tools to help customers
get back on track by themselves. The website and tools
are really simple to use, too. |
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| User Review:
Credit Diagnosis allowed me to keep track of my debts,
which made paying them off that much easier. I’m so
grateful to them for giving me the tools to become debt
free on my own. I had heard horror stories about
settlement companies, and I didn’t want to have to take
that risk myself, so this program was great for me. |
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| Services Offered:
Debt free solutions |
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| Company Overview:
Clint Holland started Debt Free in Three in 2005, after
developing his own program to get rid of his debt. He
now helps others to become debt free much faster than
they would with conventional debt consolidation. He has
helped thousands of consumers since he started the
program, and includes a guarantee on the program for all
customers. |
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| Our Review:
Debt Free in Three is an alternative to traditional debt
solutions, but works well. There are many customers that
have written to the website, expressing their success
with the program and their appreciation. The website is
a little jumbled with information in some places, but
overall is easy to use. The service itself is a good
one, and comes with a guarantee so you have nothing to
lose. |
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| User Review:
Debt Free in Three offers a great service! I was more
than $50,000 in debt last year, and with their program I
was able to get it paid off really quickly. I was
impressed with their top-rate services and support,
which I had never before encountered. |
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| Services Offered:
Debt free solutions |
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| Company Overview:
Living on a Dime was first offered in 1999. The owners
and authors are a mother-daughter team who has been
living the lifestyle that they teach for over 20 years
collectively. The book provides information on how to
become debt free and stay out of debt by living frugally
and saving money in every way possible. They sell
thousands of books each year. |
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| Our Review:
Living on a Dime focuses on teaching consumers to live
differently to become debt free. This is a great
service, because so many people wind up in debt more
than once in their lives because they aren’t aware of
how to use credit responsibly in the first place. The
customer service is helpful, and the website is easy to
use. |
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| User Review:
Living on a Dime not only helped me to become debt free,
but it also helped me to learn a whole new way of life
so that I could stay out of debt for good. The book was
a gift I received from my uncle, who knows one of the
ladies who wrote the book. I love it, and the principles
that it teaches. |
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| Services Offered:
Debt free solutions |
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| Company Overview:
DebtRite has been in business for over 5 years, helping
consumers to become debt free with their debt solutions.
In many cases, they are able to reduce a client’s debt
by up to 60%, depending on the debt amount that they
begin with. They have helped thousands of consumers
since they began, and are located in Florida, but serve
the whole country via the internet. |
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| Our Review:
DebtRite is not a bad choice for debt help. They have
various programs that can help consumers, including
being able to get debt reduced by up to 60% for many
customers. The services that they offer are great, and
the customer service is exactly what you’d expect from a
company like this. |
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| User Review:
DebtRite helped me to become debt free in just over a
year, and I had more than $10,000 in debt when I
started. However, they were able to eliminate a lot of
fees and interest charges, and I only ended up actually
paying off about $6,500 of that debt. Now I’m debt free
and have started learning how to live a credit-free life
to keep myself from getting into trouble again. |
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Other Top Companies for
Debt Free : |
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5 Tips to Become Debt Free with Ease: |
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Debt is a
problem for many people. Getting out of that debt is not
an easy task by any means. There are a few things that
can help you to get back on track, but not every
solution is right for every person. That’s why it is
important that you take the time to research your
options and find what suits you best. Here are some tips
to keep in mind:
1. STOP using your credit cards completely
2. Pay off credit cards first, and then medical bills or
other debts
3. Pay off your highest interest account first, while
keeping up minimum payments on your other accounts.
4. Don’t worry about your home or auto loan if you
haven’t defaulted on them. As long as they are in good
standing, they are considered good debt.
5. Know when it’s time to ask for help, and take the
time to find a reputable company or program to help you
become debt free.
Too many people seek help in becoming debt free, and
then go right back to racking up their credit cards or
applying for more credit. This is counteractive, because
you didn’t just spend months or years getting out of
debt to wind back up in the same boat all over again.
That is why it’s essential to your success in becoming
debt free to cease using your credit cards, and cut up
all of them except for the one with the lowest interest
rate, which you should keep for emergencies ONLY. Also,
people don’t think that they can afford to pay off their
debts, but if you send anything more than the minimum
payment, that comes off of your balance, not the
interest charges or fees. Therefore, if you have a
minimum payment of $50 for one of your cards, and you
send them $200 because you happen to have it, you’ll
take an extra $150 off of your principle balance. If you
have gotten past the point of helping yourself, you can
then consider getting help to become debt free, but do
this with caution. There are far too many companies that
will take advantage of your desperation or rip you off
because you didn’t take the time to check out their
reputation. Always make sure a company is trustworthy
before working with them. Bearing these things in mind
should make getting out of debt much simpler for you.
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