Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.
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- Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
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It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.
I recently utilized the services of CredAbility.org, in an effort to work out some sort of mortgage modification plan with my lender. I was having difficulty navigating all the red tape, and thought they could help. So far I give them a big fat zero.
I don’t know what they are doing, but after supposedly reviewing my documents and submitting them to the bank, I have been in contact with the bank loss mitigation department three times over the past two and a half weeks, and they claim to have received nothing from CredAbility.
It’s bad enough dealing with a bank, but now I’m dealing with yet another gang of inept, backwards (Fax machines? Seriously? This is two-thousand-fucking-thirteen. Who still doesn’t accept documents via email or web?), bureaucratic middlemen who are supposed to be “helping”.
Back in 2005, we bought a fixer upper house in an up and coming neighborhood. We jumped on the bandwagon and assumed our house was sitting on a goldmine. We did a lot of the work ourselves, and billed most of the repairs/renovations to our credit cards. We had no idea what we were getting into. We are now stuck in our worthless house, and have a mountain of debt. We had two options, Bankruptcy or enroll in a Debt management program. Since WE made the bad decisions we had to pay the consequences. Creditability was a life saver. We are now approaching our first anniversary, and we can now see light at the end of the tunnel. I check my credit score every few months, and I keep on top of my creditors to make sure payments are made in a timely manner, and I can now sleep at night.
CredAbility is allegedly offering counseling for folks who have underwater mortgages (mortgage reduction, refinancing etc). However, their first questions when you set up an interview are the typical red flags for identity theft: what is your mother’s maiden name, where were you born… and you guessed it, what is your SS #. When you asked them why they need this info, they can’t give you a straight answer. But they do specify they will not contact your lender to get you better terms for example. So why would they need personal info to discuss general government programs? Stay away if you want your private information to stay private. A lot of scammers prey on desperate folks, especially in this economy and housing market.
I work in PR for the nonprofit credit counseling agency CredAbility and would like to respond to Mary. When people come to us for confidential counseling we ask for permission to do a soft pull on their credit report. We do this to make sure we have the same current information for our counseling session as their creditors can see. All of our counselors go through extensive training, are certified by the National Foundation for Credit Counseling and have college degrees. Housing counselors are HUD-certified and are required by HUD to gather demographic information in the course of a counseling session.I hope someone who asks one of our counselors why we need a Social Security number to pull a credit report and can’t get a straight answer will report that counselor to our Quality Assurance department.They can be reached through the same toll-free number used to schedule counseling: 800-251-2227.
Also, our counselors routinely contact lenders and servicers after a counseling session has been completed and options have been discussed with a homeowner. We have been in continuous operation since 1964 and our existence depends on vigorously protecting the personal information people give to us in the course of counseling. To see more about our standards, go to http://www.CredAbility.org.
Thank you for replying to Mary.