To see an alphabetical site map click here

• Get Out of Debt and Start with a Clean Financial Slate
  Nearly everyone is saddled with debt - and most everyone would like to get out of debt. This site explores various techniques and resources to get rid of debt.
  
  
  • Rampant Myths About Credit Reporting
    The top 8 myths about credit reporting are exposed here! Discover what can be changed on credit reports and the innocent action that might damage your credit report.
    
    
    • Rampant Myths About Credit Reporting, page 2
      In our continued series on credit reporting myths, we take a look at paying off accounts, bankruptcy, and governmental authorities.
      
      
    • Rampant Myths About Credit Reporting, page 3
      In our continuing series on credit reporting myths, we explore whether do-it-yourself credit repair is legal and other things you should be aware of on your credit report.
      
      
  • How the Credit Reporting System Works
    The credit reporting system is based on a relationship between independent agencies and merchants. This article shows how the credit reporting system works and affects your credit reputation.
    
    
    • How the Credit Reporting System Works, page 2
      In part two of How the Credit Reporting System Works, we take a look at credit bureaus and how their information may be construed as negative.
      
      
  • Do Credit Inquiries Hurt You
    Excessive credit inquiries might have a negative effect on your credit rating. See the okay and negative inquiries on a credit report here.
    
    
    • Do Credit Inquiries Hurt You, page 2
      In the second half of our article, we look at how long credit inquiries stay on your report, and what types of requests for credit information are permissible or unauthorized credit inquiries.
      
      
  • Negotiating with Creditors to Save Your Credit
    What happens if you are trying to save your credit and your story does not match up with the creditor's story? Here we explore essential info you will need in negotiating with creditors.
    
    
    • Negotiating with Creditors to Save Your Credit, page 2
      In our continuing series on negotiating with creditors, we look at the type of debt and other essential data you need before you start negotiating.
      
      
    • Negotiating with Creditors to Save Your Credit, page 3
      Small victories add up when negotiating with creditors. In our final installment regarding consumer credit repair, we review additional vital information that you will need to clear up your credit.
      
      
  • 16 Illegal Creditor Actions
    A creditor may not use deceptive or misleading means in an effort to collect a debt. Here's a list of illegal creditor actions.
    
    
• Credit Reports Online
  Reviewing your credit report on a regular basis is essential for your financial health. Discover what your report means - and learn where to find instant online credit reports, free online credit reports and more.
  
  
• Legal Credit Repair
  Remove negative items from your credit report legally and with assurance.
  
  
• Settle, Consolidate or Negotiate Your Debt
  Do you settle your debt? Consolidate it? Or negotiate it? There are all kinds of solutions out there to reduce your debt. Understand what is available here.
  
  
• Credit Counseling Services
  When the new bankruptcy laws went into effect on October 17, 2005, credit counseling became mandatory for persons seeking bankruptcy protection. Understand what to look for with a credit counselor and how to evaluate credit counseling services, whether or not you are contemplating bankruptcy.
  
  
• Get Some Plastic - A Review of Cards
  Whether your credit card debt is out of control, you've had a blemish in your credit history, or you have no credit history at all, you can still get a Visa or Mastercard.
  
  
• Bad Credit Loans
  Rotten things happen, but there is light at the end of the tunnel. If you have bad credit, but need a car, a home loan, or personal loan, there are lenders and resources available to you.
  
  
• Credit for the Self Employed
  Self-employed persons may not necessarily have bad credit, but it is still difficult for them to obtain loans. This section of the resource directory deals specifically with credit opportunities for self-employed people, regardless of whether their credit score is good, moderate or poor. Securing a business loan may be exactly what a self-employed person may need for a "clean slate."
  
  
• Terms of Use and Privacy Statement