CREDIT & DEBT HELP
Improving Your Credit and Managing Debt to Regain Control, Build Trust, and Achieve Financial Freedom
“I’ve made it a priority to avoid debt by paying off my credit card balance in full every month. This habit not only helps me stay financially healthy but also builds a strong credit history, showing that responsible credit management is within reach for everyone.”
— Isabella Estevez
WHAT IS CREDIT AND DEBT?
Credit and debt play a big role in your financial life. Used wisely, credit can open doors to opportunities such as buying a car, renting an apartment, or getting a student loan. But without a plan, debt can quickly become overwhelming.
Credit is money you borrow now and agree to pay back later, often with interest. Credit cards, loans, and financing plans are all forms of credit. Building good credit means making payments on time, keeping balances low, and using credit responsibly. A strong credit score can help you qualify for better rates and more financial options in the future.
Debt becomes a problem when it grows faster than your ability to pay it back. Late payments, high balances, or too many loans can lead to stress, extra fees, and damage to your credit score.
Credit and debt help includes tools and resources to:
- Understand your credit report and score
- Manage or reduce debt
- Access free or low-cost credit counseling
With the right guidance, you can take control of your credit, tackle debt, and build a healthier financial future.
RESOURCES
AnnualCreditReport.com is the official site to get your free credit reports from Equifax, Experian, and TransUnion. You’re entitled to one free report from each bureau every 12 months or weekly through the end of 2026.
MyFICO teaches how FICO credit scores work and what factors impact them. It includes educational tools and credit simulators to show how different actions (like paying off debt or applying for credit) can affect your score.
Debt Payoff Planner App is a free mobile app that helps you create a step-by-step plan to pay off credit card and loan debt using the snowball or avalanche method.
Money Management International (MMI) is a nonprofit that provides debt counseling, budgeting help, and housing assistance. It is ideal for those looking for long-term guidance on managing debt and rebuilding financial health.
Credit Karma is a free platform to check your credit scores, monitor your credit, and receive personalized tips to improve it. It also offers suggestions for credit cards and loans based on your credit profile.
National Foundation for Credit Counseling (NFCC) is a trusted nonprofit offering credit counseling, debt management plans, and financial coaching. It is great for anyone dealing with debt or trying to get back on track.