11/12/2010 7:20 AM (PST)

Tiffany,

You can call a reputable nonprofit credit counseling agency (they are free). They will identify and explain your debt repayment options and help you with ongoing budgeting. The National Foundation for Credit Counseling's direct agency referral number is 800-388-2227. This will connect you to an accredited agency in your area. These agencies maintain strong service and case management quality standards. There is another association, http://www.aiccca.org that is a network of counseling agencies that also abide by strong quality standards. Their network number is 866-703-8787. These steps are tiring and take time but won't cost you any money. Getting on top of your financial situation will make you feel empowered and you will feel more secure with a reputable counseling agency.

4/5/2011 10:11 PM (PST)

There are a few online consolidation scams that you need to be aware of. You should look for accreditation and reviews for such companies before you sign up. Once you pay for it, you won't get it back. Good consolidation programs will not ask you to pay anything upfront. They will usually charge you after settling each account.

6/25/2011 4:59 AM (PST)

Hi Jess, I don't think anyone else can help you better your credit. It is you and only you who could help yourself. You may hire a debt relief co. to pay off your debt. But in order to improve your credit score and maintain your creditworthiness you'll need to work consistently towards it. List your regular expenses and identify ones that you may actually do without. This will help you develop a proper budget for your future.