Boosting your credit score is one thing, but some people have to take care of the basics first. For whatever reason -job loss, a mortgage that reset at a higher interest rate, unanticipated expenses- they've missed payments on loans or credit cards and not only is their credit score in the tank, but creditors are calling. This is not a good spot to be in and it can be humiliating. It's time to call in the experts and work out a credit repair program. Not only will this offer relief from creditors, but it can lower monthly payments (making life a little easier) and a good credit coach will work with you to move beyond the repair phase into improving your credit score. Millions of American are worried about being in over their heads with debt, especially as interest rates creep up again, and many of them are candidates to seek credit counseling before their financial situation becomes overwhelming.
