Digging Out Of Holiday Debt

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With the holidays behind many of us, it’s time to brace for the bills!  If you paid out big bucks on presents, the following are tips from Consumer Credit Counseling Services of NEPA to help you get a handle on your money in 2013:

After the holidays, it’s a great time to check your credit report.

Due to the FACT Act (Fair and Accurate Credit Transaction Reporting), we are all eligible for one free credit report from each credit reporting agency per year.  This does NOT include your score.  Your credit score can be purchased for a small fee.

Obtain Your Free Credit Report In One Of Three Ways:

On line:  www.annualcreditreport.com

Phone:    1-877-322-8228

Stop by your local credit bureau office or call:

•Experian at 1-888-397-3742
•Equifax at 1-800-685-1111
•TransUnion at 1-800-888-4213
Other tips to pay down holiday debt include:
Have A Game Plan

  • Know Who You Owe
  • List All Outstanding Debts
  • Talley Up Receipts
  • Stop Charging
  • Make Little Sacrifices