Comments on: Credit Guard of America? http://spoken-for.org/archives/2006/09/10/1671/ hmmm... what? Mon, 08 Mar 2010 05:18:32 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Val http://spoken-for.org/archives/2006/09/10/1671/comment-page-1/#comment-535077 Val Mon, 08 Mar 2010 05:18:32 +0000 http://spoken-for.org/archives/2006/09/10/1671/#comment-535077 Perdón, yo no comprendo completamente. Perdón, yo no comprendo completamente.

]]> By: yolanda ramirez http://spoken-for.org/archives/2006/09/10/1671/comment-page-1/#comment-535076 yolanda ramirez Sun, 07 Mar 2010 21:41:07 +0000 http://spoken-for.org/archives/2006/09/10/1671/#comment-535076 hola,yo tenia un acuerdo con ustedes,pero no se k paso k siempre k hacia el deposito la cuenta del banco se ponia en negativo,hasta hace poco me di cuenta k siempre ademas del pago,sacaban de mi cuenta 59 dolares extra k no se en k cuenta lo ponian,porque en la mia no era,por tal razon siempre estaba sobre girada en los pagos. y tuve k cerrar mi cuenta.ahora de nuevo estoy en la misma circuntancia. hola,yo tenia un acuerdo con ustedes,pero no se k paso k siempre k hacia el deposito la cuenta del banco se ponia en negativo,hasta hace poco me di cuenta k siempre ademas del pago,sacaban de mi cuenta 59 dolares extra k no se en k cuenta lo ponian,porque en la mia no era,por tal razon siempre estaba sobre girada en los pagos. y tuve k cerrar mi cuenta.ahora de nuevo estoy en la misma circuntancia.

]]> By: peggy http://spoken-for.org/archives/2006/09/10/1671/comment-page-1/#comment-534651 peggy Thu, 13 Aug 2009 21:05:13 +0000 http://spoken-for.org/archives/2006/09/10/1671/#comment-534651 ji signed up alomost three years ago for help on a three year plan,,, time will tell if they make good or not.... the only complaint i have is that myoriginal quote and what i ended up paying is almost 100.00 difference and they havnt adjusted it for what ever reason,, just not good business standads,,, am holdingon to see if i get any refunds at the end of myi term to make up for it... ji signed up alomost three years ago for help on a three year
plan,,, time will tell if they make good or not…. the only complaint i have is that myoriginal quote and what i ended up
paying is almost 100.00 difference and they havnt adjusted it for
what ever reason,, just not good business standads,,, am holdingon to see if i get any refunds at the end of myi term to make up for it…

]]> By: Chris http://spoken-for.org/archives/2006/09/10/1671/comment-page-1/#comment-534525 Chris Thu, 02 Jul 2009 01:17:50 +0000 http://spoken-for.org/archives/2006/09/10/1671/#comment-534525 Thanks for all of your comments. I have $26K in credit card debt and all of the limits were reduced recently as well as an increase in APR. Are there other companies out there competing with them? Thanks for all of your comments. I have $26K in credit card debt and all of the limits were reduced recently as well as an increase in APR. Are there other companies out there competing with them?

]]> By: skelly http://spoken-for.org/archives/2006/09/10/1671/comment-page-1/#comment-469036 skelly Wed, 18 Jun 2008 16:10:35 +0000 http://spoken-for.org/archives/2006/09/10/1671/#comment-469036 I had 4 credit cards managed under them, all of which were drawing over limit and late fees and maxed to 24.99% as a penalty. Credit Guard ended up getting the APR's to somewhere between 10-15% depending on the card, and I believe the combined payment was about $480/month (give or take a few bucks). It may sound like a lot, but some of those minimum payments were ~$300-400 before Credit Guard renegotiated everything, so it was a huge improvement. A home equity loan is a great way to go though since the percentage rate is so low. I had 4 credit cards managed under them, all of which were drawing over limit and late fees and maxed to 24.99% as a penalty. Credit Guard ended up getting the APR’s to somewhere between 10-15% depending on the card, and I believe the combined payment was about $480/month (give or take a few bucks). It may sound like a lot, but some of those minimum payments were ~$300-400 before Credit Guard renegotiated everything, so it was a huge improvement. A home equity loan is a great way to go though since the percentage rate is so low.

]]> By: Val http://spoken-for.org/archives/2006/09/10/1671/comment-page-1/#comment-465078 Val Wed, 11 Jun 2008 22:42:21 +0000 http://spoken-for.org/archives/2006/09/10/1671/#comment-465078 Thanks for the comment Skelly, I'm glad to hear you got out of debt using them! We were with CareOne for about a year and a half and didn't really feel like we were getting anywhere and our credit ratings had actually dropped. So we took out a home equity loan (which is really what I wanted to do in the first place but at the time my husband wouldn't agree) and are now making smaller payments and paying more on principle, etc. We had/have less than $35k in debt, too, less than half actually. Just seems like it takes forever. If you don't mind my asking, could you please tell me how big the payments were that you were making and do you know what the interest rates were that they gave you? Thanks for the comment Skelly, I’m glad to hear you got out of debt using them! We were with CareOne for about a year and a half and didn’t really feel like we were getting anywhere and our credit ratings had actually dropped. So we took out a home equity loan (which is really what I wanted to do in the first place but at the time my husband wouldn’t agree) and are now making smaller payments and paying more on principle, etc. We had/have less than $35k in debt, too, less than half actually. Just seems like it takes forever.

If you don’t mind my asking, could you please tell me how big the payments were that you were making and do you know what the interest rates were that they gave you?

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