Hundreds of companies entice you with "free credit reports" online, but only ONE source is authorized by the Federal Trade Commission to do so. The others are just trying to sell you additional services.

A realistic approach to settling old debt while improving your credit report and credit score. Four easy steps to put you on the path to debt-free living.

Learn how to work with your creditors to resolve any outstanding debt you may have. Creditors are normally willing to cut you some slack if they believe you are working toward the same goal in resolving your debt issues.