Maybe for you it was the embarrassment at the car dealership when they did not outright deny you the loan. Rather they privately told you that either you would need to make a substantial down payment or pay a ridiculous rate of interest to purchase the car of your dreams. Whatever the story, they all have the same ending:  you can either learn to live on cash or get your credit in check now. Unless your home is paid for and you have a nice nest egg already, you will need to begin the process of restoring your credit and Vivix Credit Solutions can help.

Most of us do not have a clue as to how fast your rating can go down and once it reaches below a certain level your name becomes mud. Denied, denied, denied. If you are the type of person who commits yourself to finishing a task, then you can probably pull yourself out by eliminating any unnecessary spending until you are caught up. But for many people these habits are deep below the surface and while the person’s intentions are good, they will falter shortly after. Vivix Credit Solutions knows how difficult it can be to recover and will spend the necessary time educating you on how to best proceed.

Depending on how much debt you owe and how far behind your bills are debt settlement may be another way to achieve the results you want. While it is never the first choice, for some people who are beyond repair, using a debt Settlement Company, like Vivix Credit Solutions, may be your only way out. Debt settlement companies like Vivix Credit Solutions are there to help settle your debt as quickly as possible.

Start the process right with Vivix Credit Solutions’ free consultation online, available to anyone.  You will first be instructed to gather all of your bills and then the settlement company will contact each of your creditors one by one and present an offer as to how much you can pay. The creditor will then either accept or deny the offer and the process continues until are offers are accepted. Once the offers are accepted the debt settlement company – Vivix Credit Solutions — will contact you and advise you what amount is needed each month to be sent to them to pay off the debt.

The process can take some time and while this is going on you are instructed not to pay these bills until a settlement is reached otherwise you will hinder the process. Unfortunately, as each month passes your credit score is going further in the tank. However, if you are unable to handle paying these bills you really do not have any other choice. The debt settlement company will help relieve you of the burden and stress of trying to keep up with the payments but remember, that once these are paid off your credit score will still take some time to recover.

If you learn from the experience of having to use a debt settlement company such as Vivix Credit Solutions and begin managing your money wisely you can turn your credit around and keep your credit report in good standing.