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Small Steps...

You might have bad credit, or no credit at all and are unsure which way you can go to change that.

Students, people coming through a consumer proposal or bankruptcy, those on a debt consolidation program, new arrivals to the country all need ways to improve their credit score. It is a daunting task, but certainly not impossible.

Making small steps in the right direction is the way to go, and we are busy compiling a list of options for you to consider. Please take a moment to go over these topics and pick out some options you are not doing!

- What is this credit report and score thing? If you are unsure what your credit score is, don't know how to get it or what it means then start here.

- Secured Credit Cards are a great way to repair damaged credit or gain credit history. They can be used by anyone to improve their score. Students, people discharged from bankruptcy, individuals going through a consumer proposal, even if you are on a Debt Consolidation Program can all benefit from a secured credit card, as long as you use it wisely!

- Debt-snowball method Interesting article about paying off your debts using the snowball method. This was submitted by Debbie Brown of yesdebtfree.co.uk in the United Kingdom.

- APR explained - credit card Do you understand about how your credit card works and how it charges you? If not, read this and get educated so you know the questions to ask next time you make a credit card application.

- How will debt management affect my credit score? This is a question we are asked a lot. If you are worried about how a debt managment program with change your credit, you may be happy to hear it can actually help it.

- Get out of debt books Here are some titles you might like to consider redaing if you are thinking about dealing with your debt and credit issues alone. Do please email us with a short review if you read one. It will be posted on the website.

- Debt-to-Income ratio Are you heading towards a financial melt down and you don't know it yet. Understanding and calculating your debt-to-income ratio is a great way to figure our if you need to consolidate your debts!

- Is debt consolidation right for me? If you are thinking about consolidating your debts, read this short article first. It should give you a good starting point on making a decision.