I fully agree with everything you said in your reply. Not worrying about one’s credit and just concentrating on the future is the wisest advice. A credit report and score are nothing more that tools that the banks try to threaten people with.
Yes, I agree with a CCCS being a good option for people, but it is not the best option for some. CCCS have just as bad a reputation as Settlement companies, and sometimes even worse. So although I do agree with your assesment, I am in disagreement that it is a better solution.
Factually, I feel if someone can afford to do CCCS then they really don’t need it all as there are other products and services that could a better job with the negativity of the CCCS.
Again, thank you for the kind words. I feel that you giving out good advice as a whole.