Debt Relief: Difference between revisions

Debt Relief (view source)

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→‎Managing Your Credit

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 Over time, your credit score will improve, and you will qualify for [[Debt Relief:Definitions#unsecured credit card| unsecured credit]] cards on your own.
-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 [[Debt Relief:Bibliography#Self Help | 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:
+For those who need assistance managing their credit there are a variety of choices and options available. In an article by Hispanic magazine, financial author Julie Stav explains what a [[Debt Relief:Bibliography#Self Help | FICO]] score is, how credit bureaus calculate it, and ways to improve your score. An article by U.S. News and World Report states the following steps to keep the score manageable:
 ) Pay bills on time.
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 ) Do not apply for too many loans.
-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 Union Magazine suggest that bankruptcy be the last resort in certain circumstances.
+A great self-help guide to consider is Repair Your Own Credit which instructs debtors in how to repair and reestablish credit. It also lists organizations that will give free or low cost assistance in helping one stay out of debt. NEA Today, refers to credit management agencies such as Equifax and warns people about credit repair clinic rip-offs. These agencies do not do anything that you cannot do yourself. The counselors at Credit Union Magazine suggest that bankruptcy be the last resort in debt relief.
 ==Credit Card Consolidation==