Take this quick quiz to determine your credit health:
1) Do you find yourself needing a second job or overtime to keep up with your debt payments?
2) Are you able to make only minimum payments each month?
3) Are you making late payments on a consistent basis?
4) Have you ever applied for a new credit card to pay off an old one or borrowed money to pay off another debt?
5) Are you unsure of your total debt?
6) Have you had to dip into your saving to cover everyday expenses?
If you answered "yes" to one or more of these questions, you may be putting your financial health at risk. If you need assistance with your financial situation, credit counseling is a great place to start.
the National Foundation for Credit Counseling
When searching for help, avoid companies that:
• Do not provide you with free solutions to your credit problems.
• Do not supply you with your legal rights.
• Want you to pay for services before they start.
• Have a bad reputation or poor rating with the Better Business
• Promise to remove negative information from your credit report. Only inaccurate information can be removed. Only time can assure removal of accurate negative information.
• Recommend that you do not contact a credit bureau directly.