“I’m overwhelmed. I’ve been researching solutions to my credit problems
but I don’t know who to trust.”
That’s one of the comments I hear frequently and that’s why I’ve created this Resources section. Whether you’re looking to consolidate debt, borrow cheaply or solve credit problems, I’ve found the best companies to help you reach your goals!
I chose these companies to recommend because I honestly believe they can help. I am an affiliate of some of them, which means I may get a referral fee for traffic I send their way. You can read my income disclosure here.
Here are my top picks for you:
Stellar credit is almost like money in the bank. To review your credit reports, start by ordering your free annual credit reports at AnnualCreditReport.com.
Then visit Credit.com’s Free Credit Report Card to get a truly free analysis of your credit score with recommendations. Don't worry, we don't ask for a credit card number - or spam you!
Need more help with your credit? Visit Credit.com's Credit Monitoring Guide to find products offering credit monitoring, credit scores, and more.
Credit Repair Books
I could write an entire book just on improving credit scores and reports, but fortunately, I don’t have to! When you’re ready to start rebuilding your credit, here are three excellent books I recommend:
You’re Nothing But A Number: Why Achieving Great Credit Scores Should Be On Your List of Wealth Building Strategies by John Ulzheimer
Credit Scores and Credit Reports 3rd ed: How The System Really Works, What You Can Do by Evan Hendricks (Make sure you get the latest edition)
Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number that Shapes Your Financial Future by Liz Weston, 2nd Edition (Paperback)
DebtConsolidationCare.com is the Internet's first get-out-of-debt community. Get free help from others who want to help you find solutions for your debt. And see my video blogs while you are there!
Debt Negotiation and Settlement
Debt settlement can be an important alternative to bankruptcy if you can’t repay your current unsecured debt and you can’t, or don’t want to, file bankruptcy.
For a free confidential questionnaire and a confidential evaluation of your situation, I personally recommend three companies:
Consumer Recovery Network
New Era Debt Solutions
Since 1993, ArcLoan has educated thousands of consumers across the United States on mortgage strategies and programs that help increase savings and reduce debt. Home of the Automatic Rate Cut Loan™ & the ArcLoan Mortgage Management Program™
Visit them at ArcLoan.com and YouCanRefi.com
Good Advice Press is a great resource if you want to learn how to pay off your mortgage faster and save money.
Use Credit.com's free Identity Risk Score tool to quickly assess your risk of becoming a victim of identity theft.
Already a victim? Visit the FTC Identity Theft Resource Center
Help protect yourself from identity theft with credit monitoring services.
Find Personal Loans at Credit.com. Loans are available for up to $25,000 with no prepayment penalties or upfront fees.
The Dollar Stretcher has been my go to source for money-saving tips and strategies for more than ten years. You’ll find a wealth of information to help you save money and live better on less.
Stop Debt Collectors
If you are being harassed by debt collectors, you’ll want to check out my ebook Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights You can read the first chapter online for free!
Kids and Money
My then-elementary school age daughter changed her tune about spending and saving virtually overnight with the help of Sammy the Rabbit at www.ItsAHabit.com. She and her friends loved the CDs and books.
I am proud to serve as a credit coach for members of the Garrett Planning Network. These fee-only financial planners can help you with a variety of financial planning services, from creating a retirement saving strategy to getting your budget on track. Their advice is independent and unbiased, and I know from the time I have spent with many of them, they really care!
Additional Helpful Websites
CallforAction.org: an international network of consumer hotlines affiliated with local broadcast partners.
Consumer-action.org offers lists of credit cards and helpful consumer information in many languages.
ConsumerFed.org is the website of Consumer Federation of America. You’ll find consumer brochures on saving money, buying a home and more.
ConsumerWorld.org is one of the most comprehensive consumer websites available. Sign up for their free newsletter.
DebtorsAnonymous.org offers help with chronic debt.
Financial Recovery Institute offers Financial Recover counseling, a structured process that helps clients transforms their relationship with money. It seeks to treat the whole person, including addressing the client’s history, and emotions relating to, money.
Fraud.org is the home of the National Fraud Information Center. If you suspect telemarketing or Internet fraud, contact them immediately.
FTC.gov is the website of the Federal Trade Commission. You’ll find consumer tips, statutes and more.
SmartMoney.com offers extensive information about financial topics including debt and money management.
Steve Rhode answers questions about debt for free at Getoutofdebt.org.
Consumers Union: Credit Card Reform
National Consumer Law Center (NCLC)
Privacy Rights Clearinghouse
Truth About Credit
Give Me Back My Rights