gabriel i asked:


I have bad credit. I have already consulted a “professinal credit counseler” but got a half ass response. I am not ready to pay additional money to have someone else fix my problem. I have had bad credit for about 2+ years now. I used to have decent credit. It is estimated that I have around $20,000 owed. I would like to do this myself and contact the creditors, collectors and banks myself. I just want to know what would be the right approach so that they get paid and my credit report will show that I have made and effort to do the rigth thing? I have a family and would like to buy a house one day. I also want to go into law enforcement. So credit is important to me. Any advice would help. Thanks

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NCR asked:


If i am not allowed to loan in canada is it possible in US the banks there will get some info in canada? or if i have bad credit history it will affect my US applications? I like to migrate to US im in canada now. ty

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