to pay them all off. I succeeded in getting them all paid off except for 1, which I\’m still paying on. Now I want to get a new credit card for purposes of improving my credit (paying on time, etc.) Now that I have gone through credit counseling and a debt management program to reduce my debt, what is the best way to convince the major credit card companies to trust you again with a new card?

I am only 20 years old, I have 4 collections (that I know of) and all of my bills are at least 6 months behind. I have over $10,000 in student loans (but I am still going to school). Which company would be the ideal for me?

I have credit card debt that I am considering using a Debt Management Company. Any thoughts?

I have gone through the Credit Counseling route before and after a year of payments to them, found out that they were not paying all my creditors. Ended up dropping them and continuing most on my own. They had a term the CC companies used (re-up or re-new, re-age?) that I asked the CC companies for and they continued as though I was using the couseling service. I cannot remember but if you go through them (credit counseling agencies) will it affect your credit and/or score? Can I still use the “re-aging” of the credit card myself so as not to injured my credit rating?nThe company I used was Consumer Credit Counseling and even though I did pay off a huge chunk of debt, they still screwed me over on a few CC’s that they missed paying.

I make about $55,000/year and I currently owe approx. $34,000 in credit debt alone. That is not including my car and student loans plus I still have rent to pay etc. I do not want to file bankruptcy if I don\’t have to. I also would like to stay away from consolidation. My credit is average considering I have a high debt to income ratio, but I pay my bills on time.\nToday, I was told by a company that they have something called debt management. I\’ve never heard of that, but they stated unlike debt consolidation where they lower both your interest rate AND balance, all debt management does is get the creditor to lower the interest rate. I would pay a monthly payment to the company and a monthly fee and they would make my payment for me.\nAt this point, I can only make minimum payments and my balance is going nowhere…Should I give debt management a try?\nWhat are your thoughts and please say why or why not. They said this will not negatively affect my credit score.