How to Pay Down Debt in 2012

When confronted with bad debt, the best thing to do is to have an optimistic point of view.  Ignoring your debts will not solve the problem and can only make matters worse.  However, being frustrated will not be helpful too.  If you find yourself in this situation, calm down and prepare yourself to take positive action.  In this article, we present specific steps that you can do to dig yourself out of bad debt in 2012.

 

Know the factsOrder copies of your credit report from the three major credit bureaus (Experian, Equifax, TransUnion).  This is the only way you can analyze the real depth of the situation and create a suitable plan to pay down your debts.

 

Make sure that the charges in all your accounts are correct.  In case you find incorrect or unauthorized charges, it is your consumer right to dispute these errors.  Send a letter to the bureau that issued your report, stating the exact items that need correction.

 

Read more How to Pay Down Debt in 2012


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