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Should You Wait Until You're Out of Debt to Repair Credit?

Written by: Kristy Welsh

PHOENIX, AZ--(Marketwire - 09/28/2011) After a period of unemployment, many Americans find themselves with two big financial worries: debt and a ruined credit rating. But which one of these should be tackled first? There's really no need to wait until your bills are paid off before you think about improving your credit. As a matter of fact, fixing your credit now may actually help you get out of debt, says Kristy Welsh. With a good credit score, you can save money on:

Welsh suggests two simple steps to improve your credit score.

  1. Mistakes are common on credit reports. Make sure all of the information is accurate. You can get all three of the credit bureaus from
  2. Pay credit card balances down to 25 percent or less of your credit limit. Paying down your balance can have a huge positive effect on your credit score.

Founded in 1997, is a one-stop destination for consumers looking for advice on repairing and rebuilding bad credit. offers several books for purchase, including Good Credit Is Sexy, a tongue-in-cheek guide to managing your finances.

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