After that humiliating experience, I decided to get my financial affairs in order. I secured a copy of myfree credit report for myself, reviewed all the old debts that were on it, and put together a quick plan for addressing each of the problem areas. The first step was to stop spending money that I didn’t have. I switched over to debit cards, and took a pair of scissors to all the Visa cards I had at the time. Next, I made an appointment with a counselor at a debt consolidation company to see what they do about all the outstanding bills I still had to pay.
If you have never seen a copy of my credit blog, it is high time you took a look at your free annual credit report online. This is made so simple these days. You do not even have to send away for anything, or speak with someone by phone. Just be sure you have a secure personal computer with Internet access. It does not take long at all to receive a free annual credit report via the web. In fact, you have probably seen the commercials for sites like Free Credit Report. These are advertised quite frequently on television. So, stay out of the dark where your credit is concerned, and get a free annual credit report now.