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	<title>Comments on: How does a debt counseling program effect your credit rating for the future?</title>
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	<link>http://counselingdebtreduction.com/how-does-a-debt-counseling-program-effect-your-credit-rating-for-the-future.html</link>
	<description>Debt Counseling Guide</description>
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		<title>By: aBIGgurl2ENVY</title>
		<link>http://counselingdebtreduction.com/how-does-a-debt-counseling-program-effect-your-credit-rating-for-the-future.html/comment-page-1#comment-52</link>
		<dc:creator>aBIGgurl2ENVY</dc:creator>
		<pubDate>Thu, 10 Sep 2009 02:28:19 +0000</pubDate>
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		<description>going through credit counseling reports to your credit almost like a  bankruptcy.  with the payments that you will be making to the credit counseling co you could have actually called and negotiated better payment arrangements with the actual creditor.  9 time out of 10, the credit counselers are making payments that are like 30 dollars on debts that are 3000 dollars with high interest rates.. you do the math.</description>
		<content:encoded><![CDATA[<p>going through credit counseling reports to your credit almost like a  bankruptcy.  with the payments that you will be making to the credit counseling co you could have actually called and negotiated better payment arrangements with the actual creditor.  9 time out of 10, the credit counselers are making payments that are like 30 dollars on debts that are 3000 dollars with high interest rates.. you do the math.</p>
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		<title>By: Ads</title>
		<link>http://counselingdebtreduction.com/how-does-a-debt-counseling-program-effect-your-credit-rating-for-the-future.html/comment-page-1#comment-51</link>
		<dc:creator>Ads</dc:creator>
		<pubDate>Wed, 09 Sep 2009 19:22:01 +0000</pubDate>
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		<description>Thats true as the above answer. What is your debt counselor doing for you that you cannot do yourself? Nothing. Pull out and do it yourself. The program is as good as bankruptcy.</description>
		<content:encoded><![CDATA[<p>Thats true as the above answer. What is your debt counselor doing for you that you cannot do yourself? Nothing. Pull out and do it yourself. The program is as good as bankruptcy.</p>
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		<title>By: Rena007</title>
		<link>http://counselingdebtreduction.com/how-does-a-debt-counseling-program-effect-your-credit-rating-for-the-future.html/comment-page-1#comment-50</link>
		<dc:creator>Rena007</dc:creator>
		<pubDate>Mon, 07 Sep 2009 17:38:27 +0000</pubDate>
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		<description>being a collections officer it effects your rating a lot. they give you a r9 rating for 3 years and then you have to rebuild your credit from there.</description>
		<content:encoded><![CDATA[<p>being a collections officer it effects your rating a lot. they give you a r9 rating for 3 years and then you have to rebuild your credit from there.</p>
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		<title>By: Craig</title>
		<link>http://counselingdebtreduction.com/how-does-a-debt-counseling-program-effect-your-credit-rating-for-the-future.html/comment-page-1#comment-49</link>
		<dc:creator>Craig</dc:creator>
		<pubDate>Fri, 04 Sep 2009 07:14:58 +0000</pubDate>
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		<description>it shouldn&#039;t affect it too much, i wouldnt worry</description>
		<content:encoded><![CDATA[<p>it shouldn&#8217;t affect it too much, i wouldnt worry</p>
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