Oregon Nesties
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
New to board and looking for help/advice!
Hi there, my name is Diane. I'm new to this board and im trying to get some help. Hopefully someone will be able to!
My husband and I are trying to find a credit counseling/repair person or place in Portland or on the east side (We live in Gresham).
I've been searching online and unable to find truely helpful information. We need to chat with someone in person. I know we should look for a non profit organization but don't know of who is good/legit. We just need help raising a credit score, dealing with a collection, and starting to try to buy a house.
If anyone can help that would be awesome!! Thanks so much ladies...and some gents!
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Re: New to board and looking for help/advice!
Try the National Foundation for Credit Counseling:
http://www.nfcc.org
I don't have a specific person to recommend, but just be sure who ever you do see is a member of a larger organization, is "accredited" or has some other mark of association.
I've been working with Care One Credit for 4 years now. They have been incredibly helpful! They have saved me SO much money, and are very friendly. They aren't local, but just one phone call away. And they have a great website so you can keep track of everything.
careonecredit.com
Hi, welcome!
Just as a word of caution, when I was 20 I did one of these programs. It was through Care One. They were able to consolidate all 7 of my credit cards (yikes!) that totaled about $12k worth of debt, into one low monthly payment. It was very helpful at the time, and really assisted me with getting my finances under control. It was a 5 year plan I believe.
All was well until I was 23 and tried to finance a car. I had the hardest time getting financing at a decent rate, because the credit companies view the "debt consolidation programs" as the same as filing bankruptcy. They believe that it's a sign of not being responsible, and not being able to keep track of and make your own payments. I actually had to get out of the debt consolidation program before I could get approved for a loan without having a co-signer. Even though I had great job history, made great money, had a down payment, made my Care One payment every month, etc.
Knowing this now, I don't know if I still would have signed up for the program. Although it really helped me to get my finances under control when I needed it, it was a HUGE pain just a few years later to get out of the program. I thought i was doing the "right thing" by trying to pay off my debt, and I was then punished by the finance companies for it.
So, just something to think about, depending on your future needs.
Good luck to you! Also, the girls on the Money Matters board are very helpful with giving financial advice!