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Do not pay anyone to fix your credit.

The Fair Credit Reporting Act is the law regarding the reporting of credit history. If there is anything that is reported to the credit bureaus that is not accurate, it can be removed for free, on your own, and you do not have to pay anyone to do this. Equifax, Experian, and each have websites where on the homepages there is a button to click to submit a dispute.

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Know your rights regarding medical debts

Many people incorrectly assume medical debt is not dischargeable in bankruptcy. Medical debt is considered unsecured debt and it is dischargeable. Therefore if you have astronomical medical debts, cal