Fix your credit or dump debt ?

What comes first? Fixing your credit? Or dumping old debt?
Our response: Do both at the same time.
You can get into action checking your credit score right now, and at the same time, you can make the decision to stop adding to past debt and start seeking ways to eliminate your debts.
Maybe you'll need to stop using your debit card several times a day.
Maybe you'll need to end automatic subsrciptions to magazines, mail order clubs, and similar "money drains" that you've forgotten you subscribed to.
Maybe you'll need the help of a professional consumer credit counselor to help get you back on track to get better credit now.
Whatever it takes, it can be done.
And it can be done at the same time.
Your FICO credit score is weighted very heavily on debt loads you carry on credit cards and the amounts you've piled up in installment loans, auto loans, etc. You credit score can be improved when you tackle paying down your debts and when you learn to consolidate debt without adding more debt.
The articles and links we've posted here will lead you to simple steps to reduce debt, fix credit, and get a better credit score.

Credit counseling gets you back on track

When you are trying to get credit help for your unsecured debt, you'll often turn to a credit counseling service. These firms help you with credit card debt that has spiraled out of control, and they can help advise you on setting up a workable budget.

Are you behind on student loans? Your automobile or truck payment late? Medical bills unpaid? Is the electric company about to turn out the lights?

It could be that you are needing the valued services on a good credit counseling service. We've written about this on our main web site: http://www.findhow2.com .

We urge you to visit that site and learn how you can get the help you need to get out of debt and fix your credit report. Sometimes you simply can't get it done yourself. We understand, so quit beating yourself up. Just start the process of learning what to do next and getting the credit help you need.

The main things a good credit counseling service can offer is the advice on managing money and keeping up with paying your debts. You might even have access to free or low-cost classes on managing your money. This could be the best thing you can take away from credit counseling, and will enable you to deal with similar financial difficulties in the future.