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Using a debt consolidation company may sound like a smart way to pay off credit cards, lower payments, and get back on track financially. However, before you sign up, it is important to understand what type of company you are working with and how the process may affect your credit.

Repairing your credit is not just about sending dispute letters or waiting for your score to increase. If your goal is to build a stronger credit profile, the way you start matters. Many people make the mistake of jumping straight into disputes without first reviewing their full credit report, cleaning

Paying off negative accounts can be a smart financial move, but if your goal is to improve your credit profile, how you pay matters. Many people make the mistake of paying a collection account or charge-off and expecting their credit score to increase right away. Unfortunately, that does not always