Us vs. Them - more comprehensive comparison


  1. Consumer Credit Companies:
    you have to qualify to use their "service" and that is that if you are approved through your state, and if it is offered to you within your own state.

    Secure Credit Solutions:

    There is no qualification necessary for our debt relief program. If you're in debt, having trouble managing your debt, we are here to help. 
  2. Consumer Credit Companies:
    If you have anywhere over $10,000 in debt and 5 unsecured debts, anything less most companies will not help you.

    Secure Credit Solutions:

    No minimum amount required. We handle all amounts of debt!
  3. Consumer Credit Companies:
    Offer to "lower your payments" through a one payment consolidation. Although that may seem like it's a good idea, they are disbursing your 1 payment to the number of lenders that you have. Example follows:
    If you have the average $12,000 of debt and it is broken up into 5 different lines of credit
    1. $12,000/5 = $2,400 each
    2. $2,400 / 60 (months to resolve debt) = $40.00 that each an every creditor is going to be receiving from your "consolidated" payment to the consumer credit companies.
    Lowering your payment usually means a longer duration in which you're paying on them.

    Secure Credit Solutions:

    We offer "smart payments", your available income will be directed toward your resolution. We also negotiate your payoffs, overall balances, and interest rates with your creditors where you're paying less to Secure Credit Solutions and paying more to your creditors.
  4. Consumer Credit Companies:
       Over the course of your repayment schedule that they come up for you, you can wind up paying thousands of dollars more.

    Secure Credit Solutions:

    A very low start up cost can enroll you in Secure Credit Solutions debt settlement plan. Why should you give someone your hard earned money when you're in such a hardship, SCS we concentrate on allocating the most money for a quicker resolution. We will show you what you can do with that extra money that would have originally gone to a credit counselor and when invested properly could end up being a few thousand dollars over the 5 year period.
  5. Consumer Credit Companies:
    Have one payment each month to THEM - they market that as a consolidation, they aren't really consolidating they way you'd think they are. They aren't going to all your creditors and paying them off acquiring the debt that you owe and now they become the creditor. What they do is take your $200.00 monthly payment and distribute it among your 5 creditors.

    Secure Credit Solutions:

    With our debt relief program, we have the "growth factor", which is simply defined as having more money to send to your creditors on top of your regular monthly payments you were sending to them. More money equals a fast resolution to your debt and ultimately leading to more money saved in the long run.
  6. Consumer Credit Companies:
    State that they want to work with clients in creating a budget, work with creditors and provide clients the education to help them work with their finances. What they are interested in is finding where they can draw the most money from each month. The more they can draw from the more THEY get in their own pockets.

    Secure Credit Solutions:

    We strive at focusing your budgeted monthly income and see to it that it goes to your creditors. We WORK with you in providing the necessary information needed to start resolving your debt. Not only that we will provide you the necessary information needed for you to manage your finances and stay debt free.
  7. Consumer Credit Companies:
    What happens when you lose your job and can't continue the payment or "plan" that a consumer credit or debt resolution company has set up for you? Do you think they will continue to pay off your debt while you find a new position? No, they will dump you!

    Secure Credit Solutions:

    We offer a Hardship Variant, we understand that you may fall under harsh times, we will show you what you can expect if you're half way through your debt settlement program and to know that its not the end of the world. You'll see that there is no risk involved if you lose your job and are unable to continue making your monthly dues. We include information on securing your short-term future and if any unforeseen circumstances may arise how to protect you and your family financially.
  8. Consumer Credit Companies/Debt Relief:
    Usually charge a percentage of the debt that you bring into them. Standard is about 18%. That means if you have $10,000 (minimum they will deal with) you are automatically paying out $150.00 to them before any 1 debt has been paid.

    Secure Credit Solutions:

    Our debt settlement plan has lower than average costs and NO maintenance fees! A majority of people can't afford to go deeper in debt to a company that is promising a debt relief future. Secure Credit Solutions will show you how to have budgeted accordingly and start resolving the debt you already have, without going further into debt.
  9. Consumer Credit Companies/Debt Relief:
    Companies do not offer services in all 50 states. You'd have to find if they practice within your state laws in order for you to actually be "helped".

    Secure Credit Solutions:

    is offered to you in ALL 50 states, with laws applying.
  10. Consumer Credit Companies:
    Promise to stop the collection companies from calling you. There is no law that says that they have to stop once you've hired a consumer credit company, 9 times out of 10 they WILL NOT work with a CCC because the offering is much too low for their standards. They want to resolve the debt here and now, so the collection calls WILL NOT STOP.

    Secure Credit Solutions:

     Will work with the collection agents and negotiate your best deal and try to lower both the interest rate and overall balance. While you are making payments on a monthly basis or paying it off right then and there this will ensure that the collection agents stop calling your home or they take an entirely new direction with the calls and call for reminders or updates on a new "lower" offer if you settle with them. If they do NOT work with you and your current hardship, your next step in taking action is to file a Cease and Desist letter with that agency along with a letter of intent and your PAYMENT to them to ensure your commitment to your debt.
  11. Consumer Credit Companies:
    Main concern is to prevent you from filing bankruptcy.

    Secure Credit Solutions:

    We don't want you to file bankruptcy either, however during some extreme hardships that may be your only option. We provide you with the necessary information on how to know if you should file bankruptcy or not. How to prevent yourself from filing and how to work with your finances to ensure a positive future.