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Credit repair information and free credit reports for debt consolidation and debt management counseling. Understand consumer credit counseling and debt consolidation credit counseling. Use low-interest credit cards for bill consolidation for credit repair and avoid bankruptcy using our proven, debt management techniques.

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Debt Consolidation Companies: Are they as ugly as they used to be? What if a debt consolidation company says they are non-profit?

Ok, you want to see your credit score, but you don't know which online credit report and/or monitoring package you should buy. Fear not! We've done the homework - see our complete comparison chart.

Debt consolidation and debt management. Our eBook shows you the do-it-yourself way, step-by-step. Save 50%-70% on outstanding card balances. Consumer credit counseling should help, not hinder.

Lost your wallet? Here's a step-by-step guide to help you recover from it without being a victim of identity theft.

There's a secret weapon for repairing your report: Debt validation - the ultimate weapon against collection agencies.

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Our guide to good and bad deals in cards. Where can I get a low-interest credit card?

Are you being overcharged in mortgage fees ? Most people are. Find out more by going to loans/mortgage.

NEW! We've just published the 4th edition of our book "Good Credit is Sexy".
You might also want to check out companion workbook to Good Credit is Sexy, the Financial Fitness Workbook with Step-by-Step Exercises for Credit & Debt.

Dispute negative items on your credit report directly with the Original Creditors! Did you know most of them can't prove the negative information they report?

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Fair Isaac's reaction to Vantage Score System, which the Big 3 CRAs have announced they developed and will be implementing later this year. Do consumers have even more to figure out regarding their credit scores? You bet.

Our free guide to bad credit repair.

Do you have Good Credit? Check out these great credit cards.

Everything you need to know about your credit score.

 
Latest Blog Posts
Become Debt Free by Changing Your Lifestye
If you are looking to get out of debt, there are a number of paths you can take: a better job, entrepreneurship or you may decide to reduce your existing spending habits. However you decide to do it, the path toward financial freedom is less important than the plan. You can’t become debt free [... Fri, 20 Nov 2009 15:00:34 +0000
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Proper Methods for Destroying Old Credit Cards
With the theft of credit card and other personal information rapidly becoming one of the most sought after items to steal, consumers need to be extremely careful when it becomes time to say goodbye to their trusty (or abused, as the case may be) old credit card. In years past, credit cards required expiration dates because [... Thu, 19 Nov 2009 15:02:54 +0000
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Federal Bank Adds New Regulations on Overdraft Fees
In recent years, most banks started approving, rather than declining, debit and check transactions that exceeded what customers had in their accounts. The banks’ rationale: consumers would rather pay $39-a-pop bounce fees, banks contend, than risk embarrassment at the checkout counter. I don’t know about you, but I would rather have my card declined. [... Wed, 18 Nov 2009 14:47:40 +0000
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I’m Not Sure What to Say In My Letter to a Collection Agency
Many people know they need to respond to a letter or phone call from a collection agency, but they might not know exactly what to say. In general, it’s not usually a good idea to speak to a collection agent when they call, let alone respond to a letter over the phone. This [... Tue, 17 Nov 2009 15:16:52 +0000
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