Here are some more tips on debt and credit repair:
1. Dont close your old accounts if they are in good standing. The best thing for your credit score are old accounts with good credit history. Even if you no longer use them, it is a benefit to you to keep them open.
2. Set up automated payments to make sure you pay your bills on time. Sometimes life gets in the way and one late payment can have a big, big negative impact!
3. Review your own home mortgage loan and determine if you should refinance. If you have a variable rate, you probably do want to refinance now that rates are low.
Just remember you will not always be in debt, so start building your wealth noww. Track all your spending and every dollar you spend. Write down everything you spend for one month and you will be amazed at where your money goes!This will help you set a plan. Once you see where the money goes it will be much easier to manage it!