How does 3Score differ from Consumer Credit Counseling Services (CCCS)?

CCCS companies DO NOT reduce the total debt you owe, but rather "sell" you on the concept of combining your total monthly payments into one payment - often times higher than your regular monthly minimums. For most people seeking debt assistance, immediate monthly cash relief is what they need. This form doesn't necessarily provide monthly relief, and as consumers soon find out, the new payment has a relatively minute impact on the total outstanding balances.

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