Estamos aqui para escucharle, responder sus preguntas y proporcionarle la informacion que necesite.
Los asesores de Consumer Credit Counseling estan disponibles en toda la Nacion, 24 horas al día, 7 dias a la semana.
Complete el formulario que se encuentra abajo y uno de nuestros asesores le llamara para proporcionarle toda la informacion que necesite.
Consumer Credit Counseling Puerto Rico call 1-800-254-4100
Our Promise To You – We will help you get out of debt totally for free. All you have to do is tell us your situation, ask us your question and we will help you find a, honest and truthful solution to resolve your debt and credit situation. We Are Here For You!
Debt without any collateral that can be taken back if you don?t pay.
Examples: credit cards, dept. store cards, personal loans, cell phone bills, legal bills, medical bills, credit lines, health club memberships.
No mortgages, auto loans, etc.
Step 1: A debt consultant will contact you over the phone for a free counseling session. He'll review your financial situation and suggest the right solution to your debt problems.
Step 2: With your approval, the consultant will start contacting your creditors for a negotiation. The purpose here is to reduce your outstanding debt amount or lower interest rates and eliminate late fees/penalty charges. The consultant will also help you to avoid harassing calls from creditors and collection agencies.
Step 3: The consultant will provide you with budgeting tips so as to help you manage your money better. He'll also guide you on how to rebuild your credit and raise your credit score.
Cómo funcionan las puntuaciones FICO
• Cuando se solicita un crédito – ya sea para una tarjeta de crédito, un préstamo para comprar un automóvil o una hipoteca – las instituciones de préstamo quieren saber si correrán algún riesgo al prestar el dinero.
• Las puntuaciones FICO® son las puntuaciones de crédito que utiliza la mayoría de las instituciones de prstamo para determinar el riesgo de crédito. Hay tres puntuaciones FICO, una para cada una de las tres centrales de riesgo (tambin conocidas como agencias de informes de crdito): Experian, TransUnion y Equifax. Cada puntuacin se basa en la informacin que la central de riesgo tiene sobre una persona. Cuando esta informacin cambia, las puntuaciones de crdito tambin cambian.
• Las 3 puntuaciones FICO® no sólo afectan la cantidad sino las condiciones del prstamo (tasa de inters, etc.) que las instituciones de prstamo ofrecern en un momento dado.
• Tomar las medidas necesarias para mejorar las puntuaciones FICO® puede ayudar a obtener mejores tasas de inters de parte de las instituciones de prstamo.
Libro Gratis: Para comprender su Calificacion FICO. Click Aqui
Ejemplo de ahorros
Cuanto más altas sean sus puntuaciones FICO® , menor será lo que tendrá que pagar por el crédito: independientemente de si solicita el préstamo para comprar una casa, un teléfono celular, un auto o para obtener una tarjeta de crédito. Por ejemplo, para una hipoteca de $216,000 a 30 años con una tasa de interés fija:
Si su puntuación FICO® es
Su tasa de interés será ...
y su pago mensual será
760 - 850
4.18%
$1,054
700 – 759
4.41%
$1,082
680 - 699
4.58%
$1,105
660 - 679
4.8%
$1,133
640 - 659
5.23%
$1,190
620 - 639
5.77%
$1,264
Tasas de interés nacionales reales: actualizadas todos los días
Como se puede ver en el ejemplo anterior usando las tasas de interés nacionales vigentes, una persona que tenga una puntuación FICO® de 760 o superior pagará $ menos al mes por una hipoteca de $216,000 a 30 años con una tasa de interés fija que una persona que tenga una puntuación FICO® inferior a 640: esto representa un ahorro de casi $ al año. Así pues, conviene mejorar las puntuaciones FICO.
FTC Notice Beginning December 1, 2009, the U.S. Federal Trade Commission (FTC) began enforcing new rules regarding transparency in advertising relations between product endorsers, advertisers, affiliate marketers, product reviewers, bloggers, celebrities, and other marketers, and the general public.
Opinions on this blog/website are our own or others we have designated as contributing authors. No one else is responsible for the content. We have not received any compensation for writing posts, articles, reviews, or other content, and we have no material connection to the brands or products mentioned, except as noted below. We do not accept free products from manufacturers or advertisers or free books from writers and publishers in exchange for a review or an article. All of the product reviews on this blog are influenced solely by the performance of the product itself. We do not receive any kind of monetary compensation for content or reviews including cash or free products.
Affiliate Notice We maintain an affiliate/publisher/republisher relationship with hundreds of companies. This page may contain “affiliate links” to one or more of these companies.
An affiliate link is a special URL to the affiliate merchant which lets him/her know you reached his/her site/sales page through my recommendation, text link, or banner ad.
If you follow an affiliate link from this website and purchase a product or service, or complete a lead form, we hope to be paid a commission from the affiliate or CPA merchant. Affiliate links may be textual or banner or both. This site may contain in-context textual ads or banner ads, such as from Google, or others over which we have no control over the content. We may or may not have an affiliate/business relationship with the companies advertising on those services. If you click on one of these links, we hope to be paid a small sum for sending you to that merchant’s site. Otherwise, we would have no reason to give Google and others space on this website.You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. We cannot control the activities of other advertisers or web sites. Unless otherwise stated, the website guest or visitor should assume that any link to a third-party vendor is a paid link, and that the author or website owner may receive compensation for that link.
Legal Information Is Not Legal Advice This site provides information about the law designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a lawyer if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
Consumer Credit Counseling Information, Debt Management Plan Information, Debt Settlement Plan information, Credit Counseling, Credit Score, Consumer Credit Counseling Service, CCCS, Bill Consolidation, Credit Repair, and Debt Consolidation is not advice, and we recommend you consult a licensed credit counseling agency, debt settlement attorney, and/or licensed debt management plan administrator in your state if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
