Absolutely forget debt canoolidstion/settlement/repair companies. Most are pure scam and at best will completely trash your credit.If you can't keep up with your credit card payments, check into a NFCC credit counseling service: . These are legit, non-profit companies that offer debt management programs for a nominal fee. They don't settle your debt. The negotiate lower interest and payments so that you can pay off your debt.While in the program, it is noted on your credit file. However, upon completion that note is removed and you will have decent credit.

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