In a previous post you were planning your strategy and said "Well, due to all the negative information that I'm hearing about my good friend CCCS, I've decided to drop them. I'll pay the same payment that I was to each of the banks and ask the OC's or the CRA's to remove the "paying by credit counseling" statement on the report. If not, that's one more thing I've got on them" Did your plan work, Did you maintain the lower interest rate and payment? Please comment.
I'm in the process of doing this now. I'm first going to notify all of the creditors and let them know my intentions and make sure they will keep the same policy of a lower insterst rate (in writing!!!)... If they will, I'm dropping CCCS....if not, my balances are probably low enough for me to do so anyway...Sears doesn't work with CCCS so I'm playing extra on them every month. With the advent of Bill Pay online with my bank, it's so much easier to keep up with... I'll keep you posted on that as soon as I hear something...
