Credit Help

I have mentioned before how Junior and I are trying to repair our less than perfect credit. We took a step in the right direction when we decided to rent from a company that reports to credit agencies. Every month we pay our rent we are taking one more step in the right direction. At this point, rent, cable, insurance, power, and the car payment are our only monthly bills. We are behind on a few of these, but we always manage to catch up. Luckily, we do not have any credit card debt right now. This is mostly because we can not qualify for any, which is kind of a blessing in disguise. I know there are plenty of people out there who are struggling just like we are, and they are turning to professionals to help them get their heads back above water. Debt Reduction is a great option for people who have credit card debt. Credit counselors can help combine your balances, lower your interest rates, and in some instances, combine everything into one low monthly payment. They also offer tips on how to spend your money more efficiently, making the most of the money you have. Even though we don't have credit card debt, many of the tips are relevant to us as well. Now it's just a matter of putting those tips to work for us.