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Debt is a source of frustration and stress for millions of people. Discover ways to get rid of debt with advice from a certified public accountant and credit counselor in this free video series on debt management.
There are 16 videos in this series:
Repairing bad credit starts by contacting the credit bureaus and having duplicate or old information removed from a credit report. Fix low credit scores and reports by working with creditors and credit agencies with advice from a certified public accountant and credit counselor in this free video on debt management.
Use a credit card to save money by transferring any smaller balances to a higher-limit card with a low interest rate. Avoid struggling with credit card minimum payments by consolidated balances to have one monthly payment with insight from a certified public accountant and credit counselor in this free video on debt management.
Ways to live within your means and get out debt include creating a budget and eliminating frivolous spending habits. Eliminate debt by contacting a consumer credit agency when living beyond means with tips from a certified public accountant and credit counselor in this free video on debt management.
Good ways to get out of credit card debt include not using cards and quickly paying down cards with smaller balances. Stay out of credit card debt by throwing away enticing low interest-rate offers received in the mail with advice from a certified public accountant and credit counselor in this free video on debt management.
When choosing a credit counselor, be wary of agencies that use aggressive tactics and always get written disclosures. Find a credit counseling agency that is a member of the AICCCA with tips from a certified public accountant and credit counselor in this free video on debt management.
Handling creditors when unable to pay bills is done by contacting them and letting them know what can be paid and when. Keep creditors from calling with constant communication with insight from a certified public accountant and credit counselor in this free video on debt management.
Increasing a credit score can be done by making payments on time and keeping credit balances 30 to 40 percent of their overall limit. Enjoy a higher credit score by not closing out smaller credit cards with tips from a certified public accountant and credit counselor in this free video on debt management.
In order to remove judgments from a credit report, they must first be paid off. Remove paid judgments from a credit report by contact the credit bureaus with advice from a certified public accountant and credit counselor in this free video on debt management.
Filing for bankruptcy involves choosing between a Chapter 7 or Chapter 13 bankruptcy and should be done with the aid of a lawyer. Consider credit counseling before filing for bankruptcy with tips from a certified public accountant and credit counselor in this free video on debt management.
Ways to recover from debt include creating and sticking with a budget and not incurring new debt. Get on the path to being debt free with the help of a non-profit consumer credit counseling agency with advice from a certified public accountant and credit counselor in this free video on debt management.
Each state has different regulating standards for credit counselors, but make sure the agency is affiliated with the AICCCA or NFCC. Choose a credit counselor that has a clean report with the better business bureau with insight from a certified public accountant and credit counselor in this free video on debt management.
Fixing bad credit involves getting a copy of all three credit bureau reports and addressing any errors by writing letters to each bureau about the situation. Correct bad credit issues by building a relationship with current creditors with tips from a certified public accountant and credit counselor in this free video on debt management.
Consolidate debt by contacting a financial institution for loan opportunities or looking at existing credit cards with lower interest rates. Lower monthly debt payments through debt consolidation with insight from a certified public accountant and credit counselor in this free video on debt management.
Staying out of debt requires eliminating frivolous spending, like shopping for wants instead of needs and formulating a budget. Remain debt free by resisting spending urges and using coupons with tips from a certified public accountant and credit counselor in this free video on debt management.
Ways to consolidate credit card debt include using balance transfers and contacting a credit union or bank for loans. Condense credit card debt, but read any disclosures regarding balance transfers, with advice from a certified public accountant and credit counselor in this free video on debt management.
Raise a credit rating by getting a copy of all three credit bureau reports and disputing any duplicate or bad accounts. Improve credit scores by contacting creditors and making sure all good history is listed on a credit report with tips from a certified public accountant and credit counselor in this free video on debt management.
Many people's personal credit is in shambles. They have run up credit card debt, had trouble paying student loans and overextended themselves financially. There are many options out there for dealing with debt and trying to improve one's credit score. How does a person navigate these tricky waters? In this free video series, learn how to get a grip on debt and eliminate financial stress with insight from a credit counselor. First, learn about repairing bad credit history, using a credit card to save money, getting out of credit card debt and choosing a credit counselor. Next, discover ways to increase a credit score, remove judgments from a credit report, file bankruptcy and who regulates credit counselors. Finally, learn how to consolidate debt, stay of debt and raise a credit rating.
Jerrie Guthrey Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. He earned a Bachelor of Science in business management with an emphasis in accounting. Guthrey has been affiliated with management and financial consulting since 1992. He became a certified public accountant in 1998. Guthrey became a fellow of the Academy of Health Care Management in 2001. He has assisted small businesses and individuals with financial needs since 1992.dkdk
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