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About the Author Richard lives in Edinburgh, occasionally writing for the personal finance blog Cashzilla, and reciting Vogon poetry. If you cant, be candid and make a believable claim. Fannie Mae is chartered as a private company to hold down the costs of mortgages. Avoiding Consumer Credit Counseling Scams As with most services concerning money, there are those who will try to present themselves as consumer credit counseling services in order to scam money out of individuals who are desperate for a way out of debt.

Consumers have relied on debt consolidation services, but for most it”s only added to the confusion. It is true that some wholesalers only sell in bulk or require legitimate business information, preventing the average consumer from purchasing from such companies. But the information provided is pretty skimpy.

Coe, MAAs entrepreneurs there are some very basic things that weve all been taught. No matter who is your consumer? They must correct any information that is not reported accurately. We soon saw wide spread use of these discount points to buydown interest rates on all types of mortgage loans.