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Your Location: Home - Bad Credit Loan Bad Credit Loan CenterQ: What can I do to keep my credit in good standing? A: Avoiding late payments is a great place to start. If you are unable to pay your bills in full, make the required minimum payments due on credit accounts and arrange payments on other bills. Keeping a calendar of when your credit card payments and other bills are due can help you track your finances. Q: I've seen advertisements for companies that claim they can repair my credit. Are they legitimate? A: Legally, credit repair companies can only take the same steps you can. Save your money -- only time, discipline and patience will repair damaged credit. “With fewer than 30 percent of lower-income adults aware that there are free resources available to help them to better manage their finances, it is important to prevent language and income level from becoming hindrances to understanding one's personal finances,” adds Ken McEldowney, Consumer Action's executive director. “We believe that everyone has the right to free resources to help them help themselves and we want to help provide them.” In addition to the written materials, the Money Wi$e program offers training events in which Consumer Action representatives conduct one-on-one training on how to counsel community groups on the basics of the Money Wi$e program. The Money Wi$e Train-the-Trainer events are open to participating community-based organizations.
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