Assume you or someone you know has had debt/credit problems in the past.  The question is, ?What can you do about it now??  It wasn?t an overnight problem; there won?t be an overnight solution.

Credit reputation is very important.  Restoring that reputation should be a priority.  Poor credit can have a negative effect on the three major areas of your life:  where you live, where you work, and your ability and cost to get future credit.

Two of the most important things to remember about credit repair are:

• It IS a do-it-yourself job.
• There are NO quick fixes.

Be proactive about your credit situation.  Request all three of your credit reports annually, and take appropriate steps to make sure your information is accurate.  Beware of credit scams and organizations that claim they can ?fix? your credit.  Take time to re-establish credit while managing and maintaining it as you begin to get your good credit back.