Credit reports and credit scores: the nuts and bolts
The first step: cleaning up your credit report
Assess your financial situation
Reducing current expenses and debts
Reducing your mortgage debt
Reducing debt through bankruptcy
Finding money to pay your debts
Negotiating with creditors and collection agencies
Getting help to negotiate and manage debts
Building positive credit history
Choosing and using credit and debit cards
Avoiding and dealing with identity theft
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