Debt Management

Getting a Grip on Your Debt

Do you have difficulty with debt management? If so, remember this. If you decide to respond to a credit repair offer, beware of companies that:

* Want you to pay for credit repair services before any services are provided;

* Do not tell you your legal rights and what you can do-yourself-for free;

* Recommend that you not contact a credit bureau directly;

* Suggest that you try to invent a "new" credit report by applying for an Employer Identification Number to use instead of your Social Security Number; or

* Advise you to dispute all information in your credit report or take any action that seems illegal, such as creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.

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Thursday, August 21, 2008

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Debt Management