You can rebuild your credit by getting a secured credit card. Also, try calling a debt consolidation company - they can help stop all the late fees and random charges on debt you have and turn everything into one low payment. Just make sure you read the fine print carefully, most companies charge a small amount, which is normal, but be careful how much you dish out to them. Here's a good site: http://www.incharge.org/Campaign/InChargeDS.aspx?vdn=8051&kw=incharge&gclid=CNjxhbXH_YsCFQwzZAodcBwLyw

Save, save, save. Do not use your credit cards, and make sure your payments are NEVER late. Also, if you have any small bills you can pay off, that will make you credit score go up.

The best way is to live within your means, economize in all other areas and apply what's left to debt. Free up existing dollars by economizing! If your situation allows, economize by getting into housing that costs no more than 1/4 of your total monthly income. Rent movies instead of going to the mulit-plex for the first-run features (even the matinees cost too much now)! Eat out less often, if at all. If you have a car payment on a gas-guzzling truck or SUV, see if yo can get out from under it and save on the monthly payment amount as well as gasoline. These items alone can save you several hundred dollars each month which can go towards paying down debt.

There's a lot of Credit counseling companies out there that can help you: http://www.moneymanagement.org/ http://www.nfcc.org/ There's a lot of debt consolidation companies that can help you. http://www.careonecredit.com/ http://www.creditsolutions.com/getstarted/debt-consolidation.html -----------------------MORE INFO--------------- As provided by Andy777 April 1, 2004 Andy777-Ninja needs a cold Guinness http://www.answerbag.com/q_view/339 [QUOTE] Sketchy? Yes and no. There is a difference between debt consolidation and credit counseling. Both have been known to strike "deals" with creditors where you make the monthly payment to the consolidator or counselor and they pay creditors on your behalf. Unfortunately, there are pitfalls too numerous to list here, but a few examples are they never pay your creditors and keep the money for profit. Illegal but it happens. Or there are hidden charges that eat up a substantial amount that would otherwise be better used to pay the debt you received counseling for. If one consolidates there is also the danger of "forgiven debt" coming back to haunt you come tax time. Forgiven debt, in most cases, is considered taxable income. This is not to be confused with a creditor agreeing to lower your interest rate or waive fees. Most reputable agencies are members of the AICCCA and the National Foundation of Credit Counseling. Great source of information is http://www.bankrate.com/

by paying them off and not getting further into debt.

Steer very clear of women.

Buy only what you need and not what you want until you are out of debt. Then, if it could become a problem again, continue with that recipe. +pts.2.U.

Leave credit cards at home.

Obvious but...save more, spend less, work more, pay that debt off in incraments. And BUDGET everything from now on.

debt is something that i do not like very much i would have never had any if the hospital did not 5150 me

don't spend money you don't have on crap you don't need. get rid of all credit cards but one and use it only for emergencies. Consolidate all debt. pay off loans early to avoid interest when possible.

dont spend more than you make

raise money

Have you ever considered <a href="http://www.creditanswers.com">debt settlement</a>? It is a viable alternative that has helped tons save thousands on credit card debt. With interest rate spiraling out of control debt settlement will negotiate your debt with the credit card companies for a fraction of what you owe.