"In his heart a man plans his course, but the Lord determines his steps."
Proverbs 16:9
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Debt Management

Dave Ramsey's site: www.daveramsey.com  (Excellent debt management resources)

Credit Reports 

  • AnnualCreditReport.com   you can get FREE credit reports throughout the year per the 2005 LAW
  • Just be careful not to BUY any advertised specials - IT IS FREE
  • Order this one first: Equifax.com (but use AnnualCreditReport link above, not this one)
  • 4 Months later order this one: Experian.com (but use AnnualCreditReport link above, not this one)
  • 4 Months later order this one: TransUnion.com (but use AnnualCreditReport link above, not this one)
  • Then, four months later start the cycle over again and you will be able to keep up-to-date on your credit report for identity theft protection at no additional cost. Always use www.AnnualCreditReport.com to avoid promotions that may cost extra.

For Your FICO Score MyFICO.com (or through sites above) but the credit agencies provide alternative scores, too.

Opt out of Unsolicited Offers

OptOutPrescreen.com 1-888-567-8688

Credit/Bankruptcy Avoidance Non-profit agencies

National Foundation for Credit Counseling