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Credit & Debt Services

How can I correct errors on my credit report?

Under the Fair Credit Reporting Act, you have the right to have any incorrect or misleading information removed from your credit report.

Will debt consolidation hurt or help my credit rating?

Debt consolidation can lead to an improvement in your credit rating by making your debt easier to manage.

How can I pay off my credit card debt?

Certainly the best way to pay off your credit card debt is with a single payment.

I can't pay my bills. Should I declare bankruptcy?

If you're unable to meet your financial obligations, you should investigate a number of options before considering bankruptcy.

Can I buy a house even though I declared bankruptcy?

Believe it or not, there is financial life after bankruptcy. It will take some effort on your part, but you can rebuild your credit with careful budgeting and record keeping.

How can I repair my poor credit?

Your first step in repairing poor credit should be to obtain a copy of your credit report. The three major credit reporting agencies are Experian, Trans Union, and Equifax.

How can I protect myself against identity theft?

The chance that someone will assume your identity to open fraudulent bank or credit accounts is increasing as thieves become more sophisticated.