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| ==Credit Management==
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| For those who need assitance managing their credit there are a variety of choices and options out there. In an article by Hispanic magazine, financial author Julie Stav explains what a FICO score is, how credit bureaus calculate it, and steps on ways to improve your score. An article by U.S. News and World Report states the following steps to keep this score manageable:
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| 1.) Pay bills on time.
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| 2.) Pay down debt.
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| 3.) Maintain long-term credit relationships.
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| 4.) Do not apply for too many loans.
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| A great self-help guide to consider is Repair Your Own Credit which instructs debtors how to repair their credit and how to reestablish credit. It also lists organizations that will either give people free assistance or charge a very low cost to help someone stay out of debt. In NEA Today, they also refer to some credit management agencies such as Equifax as well as warn people about credit repair clinic rip-offs saying they do not do anything that you cannot do yourself. The counselors at Credit U
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| nion Magazine suggest that bankruptcy be the last resort in certain circumstances.
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| == Debt Consolidation == | | == Debt Consolidation == |