I got a letter from them in the mail today.
Has anyone ever heard of them? Here’s what it says on the back of the letter:
"Edifi was founded in 1991 to help students obtain financial aid for college. Edifi currently has clients in all 50 states in the U.S."
The letter also says to RSVP for a free personal interview in my area on either October 4 or October 5.
The RSVP phone number is a tollfree number.
Is this a scam?
If you’ve ever contacted them or been to a meeting with them, what was your experience with them like?

Thanks a bunch!

THROW THE LETTER IN THE TRASH!!!! THERE IS NOTHING THEY CAN DO FOR YOU THAT YOUR FINANCIAL AID OFFICE CANT FOR FREE.

I am in the process of trying to buy a home and recently reviewed my credit report. I noticed that one account was still reported as opened with a balance.

About 4 years ago, I had a credit card account with Conseco Greentree Financial services. The balance was sold off to another company when Conseco went bankrupt. I’ve since paid off the balance. I called the company that serviced the loan and they said there’s nothing they can do since they don’t appear anywhere on my credit report.

How cn I get this fixed? I can get Conseco to fix this since they are no longer in existence! HELP!!

Dispute the credit account with the credit bureau. The credit bureau will try to contact the credit card company and when they find out they do not exist anymore you should automatically win the dispute and the account will be removed.

Good luck!

I wish to start a financial services consultancy in Dubai, AE., to be engaged in corporate fin, Project finance, PE, wealth management and accounting support services. All attractive names appear to have been taken up! pls help.

Caresultants Financial Services…

They wrote: You may have received a letter last July or August (I did) about the theft of personal and financial info by employee at Certegy Check …. A settlement has now been reached with Certegy about that theft. And so on….
And I need to contact them about getting claim form…..
Is that a fraud?

No. Contact them and fill in their claim form. You won a court settlement. You won’t get much, but you’ll get a small money award.

I am in one called United Financial Services. I had to enter it a couple years ago to pretty much keep my head above water.

But time has passed and I am doing better financially. I would like to pay off my credit cards in the next few months in full. I know they warned me not to use them or make any payments on my own or I would get booted out of the program.

So if I do this, will UFS give me any difficulty leaving their program? Maybe in the form of fees or will they keep charging my bank account? And will it hurt my credit report to pay these off early?

I used a credit counseling service several years ago after getting in over my head, too. If you are ready to pay everything off, meet up with your advisor at UFS and tell them you are at a position to pay everything and would like to coordinate it through them. I’m sure you signed a contract in the beginning that you would work with them to pay your debts off. This will keep you from avoiding any legal trouble, which you certainly don’t need on your record at this point. I think the only fees these places charge are basically administrative fees for being the middle man between you and your creditors. I don’t think they can force you to keep making payments if you instruct them otherwise. They will probably just contact all of your creditors, get payoff balances for you, and then coordinate getting the necessary funds from you to make one last payment to each of those companies. They may charge their regular fee for this or one last fee, but this should be it.

And in terms of paying these companies off early, you absolutely will not hurt your credit, in fact it’s the exact opposite. What they don’t tell you with these counseling services is that banks and credit companies really don’t like them, and it doesn’t show up on your credit report as if you had been making regular payments all this time, what shows up is that you cancelled all of your cards and had to go through a credit counseling service. That’s why after you pay everything off, it will be so important to keep your credit as good as possible, and also to get ahold of a copy of your credit report to see how much damage has been done so you can try to repair your credit score. Banks and credit companies don’t like these types of services because it demonstrates that you are unable to keep a tight control on your finances. You would think it would be the exact opposite, but when my husband and I were buying our first house, I was finishing up with my credit counseling and the bank required a letter from the counseling service stating where I was in the program and as a sort of recommendation letter. It actually could have hindered us buying a house because the bank wondered if I would be a financial risk. Although, after you pay off your debts, strangely enough you will start receiving tons of credit card offers because they figure that given your past you will spend tons of money if given a credit card. Go figure! Good luck to you and hope this helps!