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Search Google for credit info center they have great advice there.
Try to negotiate for a lower APR yourself first.
First call and threaten to cancel, (but do not cancel if they don't help!) and that might get you a lower APR.
If that fails write or call back,you have to say the word "hardship" to them to really work with you if you are not 60 days past due...that is the magic word. Their hardship plan and CCCS looks the same on your credit report, at least you control it by doing it yourself.
HTH :) |
try to negotiate for a lower APR before going to CCC & use the word "hardship" - mtstudent
