Debt Consolidation

• Should I Consolidate?
• Knee Deep in Debt
• Fair Debt Collection

Building A Better Credit Record

Newspapers, radio, TV and the Internet are filled with advertisements that offer-for a fee-to erase accurate negative information in your credit file. The scam artists who run these ads can't deliver. Only time, a deliberate effort, and a plan to repay your bills will improve your credit record. This publication is designed to help you understand and legally improve your credit report.

How consumer reporting agencies work and your rights under the Fair Credit Reporting Act.

• Consumer Reporting Agencies
• Fair Credit Reporting Act (FCRA)

How you can legally improve your credit report.

• Improving Your Credit Report
• Credit Report Negative Information
• Seven-year Reporting Period
• Adding Accounts to Credit File

Offers tips on dealing with debt.

• Dealing with Debt
• Personal Budget
• Contacting Your Creditors
• Dealing with Debt Collectors
• Credit Counseling
• Auto and Home Loans
• Debt Consolidation
• Bankruptcy

Credit-related scams and how to avoid them.

• Debt Elimination Scams
• Recognizing an Advance-Fee Loan Scam
• Protecting Yourself from Scams
• Credit Repair Scams
• Credit Repair Scams Warning Signs
• Credit Repair Organizations Act