Nonprofit Debt Solutions - Answers to Frequently Asked Questions on Credit

Debt Consolidation Services
Our credit counseling& debt consolidation programs are a safe, fast and proven way to get out of debt. Find free information on debt solutions and alternatives to bankruptcy.

Debt Consolidation Nationwide Debt Counseling companies currently help over 1 million people to consolidate their unsecured loans, bills, and credit card debt into one easy payment, while saving thousands of dollars in unnecessary interest & credit fees.

Debt Consolidation Choices
Be in charge of your debt solution. Our debt counseling & debt consolidation services are designed to give you one low monthly payment. Consolidate your debts with a consolidation plan that is just right for you!

Debt Consolidation Quote
Fill out a free request form and a debt counseling representative will contact you to help you better understand your financial options.

Troubled by credit card debt? Know your options!

Trusted Debt Help
(800) 452-3135   Reduce My Debt Now
  About Credit Card Debt
  Debt Consolidation Facts
  Bankruptcy FAQ
Credit Repair FAQ

Don't struggle alone when the pros can help you. (800) 452-3135

    Click here to get a
   Fast, Free, No Obligation Credit Counseling Analysis

How to Repair Credit
   To successfully reestablish credit while reducing overall debt is not rocket science - it is, however, the most frequently asked question among debtors. There are a number of relatively easy ways to repair credit including:

Open a checking or savings account so that lenders can determine your ability to manage money.
Apply for store and gas credit cards that you would normally pay cash.

Pay your utility bills and rent on time for at least a year.

Stay away from payday loans that are at high interest rates and are a “bad credit” trap.

Write a letter to each credit reporting agency explaining the circumstances that lead to you filing.

Live within your means. Do not unnecessarily increase your debt to income ratio by taking on credit to purchase luxury items that you DO NOT NEED. Your payments on consumer debt should equal no more than 20% of your expendable income after costs for housing and a vehicle.

Pay your reaffirmed, pre-bankruptcy debts on time.

Additional articles on credit, credit reporting, and credit repair:

How to fix bad credit

How to improve your Credit Score

What is a Credit Report?

What is a Credit Score?

Click here to get in touch with a debt solutions professional and to learn about programs designed to lower monthly payments and help consumers get out of debt!