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II. "Privacy Statement" has a registration form that requires users to give us contact information, unique identifiers and certain financial information. We only use customer contact information to respond to the end user with information about our company and we do not sell or give such information to any of our partners for promotional or marketing purposes. Users may opt-out of receiving future emails by selecting the choice "opt-out" in the section indicated on each email. This site contains links to other sites. is not responsible for the privacy practices or the content of such linked Web sites. Our site uses cookies to record session information, which identifies you while logged on. We do not have access to any information about you, other than what you have provided. If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact us at:


III."Consumer Credit Information"


If you are in debt, you are not alone. would like to give you some helpful hints on how to deal with the burden of high debt:


Firstly, we don't recommend any of the "quick fix" credit repair services. The only way to truly fix your credit is to make arrangements with each creditor to pay your bill, arrange other payment terms, or arrange a settlement. In most states only attorneys or licensed not-for-profit credit counseling agencies can provide you with assistance with budget planning, debt repayment plans, or help you to achieve debt relief. Be careful who you might choose. Better yet, do it yourself.

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If you are being contacted by a collection agency, it is usually better to talk to them sooner than later, rather than ignoring them. Usually, contacting the collection company right away is the same as still dealing with the original creditor. In most cases, the collection company will not report your account to a credit bureau for the first 30 days. If you can resolve the situation with a payment or payment plan at that point, there is a good chance you will avoid being reported to the credit bureaus. Each collection company has different arrangements with their original creditor, so be sure to ask the collection company if the account has been or will be reported and ask if you can make an arrangement to pay beforehand.


If a past due bill is owed to the original creditor and has not yet been placed with a collection agency, we recommend not to ignore the creditor and or send partial payments without working out a payment arrangement with the creditor first. In many cases, the original creditor will be more than happy to set up a payment plan in order to assist you in paying your debt. In some cases, if you have absolutely no means to pay the full amount, they may even be willing to settle your debt for less than the full amount of your outstanding balance.

If you don't feel comfortable dealing directly with the creditor, you can contact a not-for-profit credit counseling agency. These services offer counseling, workshops, education and debt repayment planning. In many cases these services are offered for free or for a small fee based on your income. If you decide to use one of these organizations, make sure to find out and confirm that they are properly licensed. Remember to continue to make payments to creditors, unless payments are being made through your credit counseling company. By continuing to pay your debt monthly, or according to your agreement with the creditor, you will protect your credit rating and avoid any lawsuits and judgments against you.

Every consumer has the right to give a written statement to all three of the major credit bureaus. So if you have reasons why you were late or delinquent due to certain circumstances such as loss of job, divorce, death or any other hardship, it is our advice that you put the reasons in writing as a statement to be attached to your credit reports. This will let future creditors understand why you may have had late payments in the past.

You are your own best source for repairing your credit. Follow some of the helpful hints recommended here to eventually get all of your debts paid. Once that is done, you can contact the creditors directly and explain why you had problems paying them. Always follow-up with a letter to the creditor and make sure you keep a copy and send it via certified mail/return receipt. Keep a file of those letters for future reference. When applying for new credit, it is always best to be honest and upfront regarding your credit history. Have your file of letters handy to demonstrate to any new lenders your efforts and commitment to keep yourself free of debt.


In many states, you can receive a free copy of your credit report from all three major credit-reporting bureaus. In the states where this is not free, there will be a very nominal fee.

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