debt free

Hi Efleury. Welcome to the forum. Since you have registered, you will be contacted by a debt counselor who can give you some advice. In the meantime, please go through the various threads in this site to see how others have handled cleaning up their credit. Here's a link that will be helpful: http://www.creditmagic.org/forums/

Welcome to the Forums :D Have you tried to work something out with your creditors yet? Sometimes they will work with you, drop interes and fees, etc., if you are in good standing, or they want it paid off. Here is a link for ways to becomung debt free, list of companies doing consolidation, and the benefits of consolidation at Also, pull up all three of your credit reports and if there are things that are not true, you can dispute them Good Luck..Karen

oops forgot to put the link in http://www.debtconsolidationcare.com/ :D Karen