Credit & Debt

Building Good Credit The definition of credit, the aspects lenders consider before extending credit, 10 steps for building credit and rebuilding credit.	Choosing A Credit Counselor Defines debt repayment plans, explains the differences between secured and unsecured debt, and offers questions to ask credit counselors.	Credit Card Smarts Education about the different types of plastic money, potential benefits and pitfalls, key terms, and seven tips for using wisely.
Dangers Of Debt Settlement Critical information for anyone considering settlement: detailed explanation of the process and consequences.	How To Check Your Credit Reports Critical information on how to obtain and understand your credit reports.	How To Dispute Errors On Your Credit Reports Clear directions for disputing errors on your credit reports.
Raising Your Credit Scores Information on how your score is calculated and 21 tips for raising your scores.	The Biting Price Of Payday Loans The truth about the real cost of these quick loans as well as a list of better options.	Your Rights In Fair Debt Collection Answers to commonly asked questions about your rights under the Fair Debt Collection Practices Act. FTC text.
Credit And Your Consumer Rights Practical ways to cut everyday costs on transportation, insurance, banking, credit, housing, utilities, food, and more.	Getting Credit: What You Need To Know About Your Credit Provides tips on shopping for credit cards, using cards carefully, and keeping your credit record clean. Also explains credit reports and credit scores, and improve your credit record.	Knee Deep In Debt If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Tips on getting back in the black.