I have problems with my credit cards

Hi, you will know about your credit status by pulling the latest copy from all the three bureaus. You are entitled to get one free copy every year. Order a free credit report and do a thorough comparison. Sometimes, there are incorrect entries put in the credit file. These often lower the credit scores. When you see a particular item not clearly shown, dispute with the credit bureau or with the credit company listed in the report. Ask them to give you the details of the debt in writing. They will check your records. If the debt is legitimate, make payment arrangements with them and improve your credit history.

For doing this, take the help of the consolidation program also. All your bills will be combined together into one payment and at lower interest rates. It can be a helpful way of improving your past credit history. I found some other helpful ways by which you can pay off your past debts. See this link

http://www.debtconsolidationcare.com/debt-solution.html