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Financial advisors and advocates suggest that you review your credit report periodically or at least once per year and depending upon your credit situation, more often.  This will help you spot inaccuracies, and to detect identity theft before it pose a problem to you. It is your right under The Fair Credit Reporting Act to have accurate information in your credit file.  In most cases a consumer is unaware that there is an error on their credit report until they attempt to make a purchase and the error is revealed.

If you are behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. It is important that you pay your bills on time and take responsibility for any unpaid credit accounts. In situations where you are having difficulty in paying your bills, it is import that you contact your creditors and explain your situation. 

If you cannot afford to pay your bills due to circumstances beyond your control, such
as a divorce or loss of employment creditors are more willing to listen and to work out a repayment plan with you. It is at that time that you may also consider debt settlement. Debt settlement requires that you have funds in order to make a settlement offer.  It is always best to contact creditors prior to the matter going into collections, rather than you having to possibly deal with a debt collector, who may have bought the  unpaid account.  Unpaid accounts are written off  and sold to companies whose only business is debt collection, for pennies on the dollar. In this tough economy, creditors and debt collectors will consider almost any reasonable offer.  A reasonable and realistic offer is based upon what you really can afford to pay should be considered first, before making any unrealistic offer. 

ID Theft and Credit Restoration Software
All the tools needed to fight identity theft, rebuild your credit, legally remove errors, inquiries and other negative infor-mation from your credit report will be at your command . 

Also test drive our "How, And Where To Get Government, Benefits and Grant Money" program.

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If you cannot afford a land-line or cell phone, get one free from the government! If you cannot afford internet service get it from Comcast for ten bucks under the internet essentials program. Comcast started the program as part of a voluntary commitment it made to the Federal Communications Commission in order to get its merger with NBC Universal approved. Its easy to access all sorts of government benefits by topic and find the government information and services you need.You can even find government cars for sale and other items such as computers, and homes too!