• Lower your monthly payments
  • Reduce stress and live your life
  • Avoid personal bankruptcy court

Credit help


If you want to get out of credit card debt fast and you want to improve your credit, you first have to know how bad the situation is. This page will give you some simple tips to help you with your credit and get you on track to be debt free.

Step 1: You need to stop spending money. Spending money is what got you into debt in the first place. Getting out of debt is going to take sacrifices. Make up your mind to stop spending money for things you don’t need and then continue to step 2.

Step 2: Get a copy of your credit report and credit score. You can get your credit score and report free. You have to know where you stand in order to get you to where you want to go. Once you have your credit score and credit report, you can see if everything on there is accurate. If your credit report has some inaccurate information and you have a credit card or two, you may be paying higher interest rates than you need to. So get your free credit report and score and dispute the inaccuracies.

Step 3: Start saving money. You need to have an emergency fund to keep you insulated from life’s emergencies. If you are working on paying down your debt and you have an emergency medical bill, you’ll probably have to start charging purchases again and then you’ll be getting nowhere. Or, if you happen to lose your job, you’ll need to pay your bills without using credit cards. This is where your emergency fund will help you.

Step 4: Start attacking your debts. You can use the methods outlined in Debt Cures and The Total Money Makeover and start reducing your debt. I’d also recommend you contact Debt Shield to help you reduce how much you owe so you can get out of debt faster. Debt Shield can help you reduce your debts so you can get out of debt in one to three years instead of 10-20 if at all. Can you imagine being out of debt in one year? Click here for Debt Shield.

Step 5: Become debt free.

It can be as simple as that. You can be out of credit card debt in 12 to 36 months if you follow the debt free plan.

Have a great day!


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