paying off my debts on my credit report

Do you want to consolidate all your debts into one monthly payment? A consultant in your area is referred for the free counseling. He will discuss about your debts and quote a lower interest rate on your repayments. He will also call your creditors and set up a suitable plan. You need to pull your latest credit copy from all the bureaus and know the actual status of each account. Then, you can discuss about a debt management program with a counselor. See the link below. The counselor will set up a plan according to your present financial situation. Don????????t miss the payments once the plan is set and this will be your perfect move towards a debt free life.