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Ways to repair credit debt
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items Repairing credit debt is not as impossible as it may seem when you are in it, but it is fixable. It takes a little work and discipline, but you can do it. I’ve lived through it so I have a few ideas of how you can fix your situation. Here are are a f...
One thing everybody should do regardless of where they stand on credit is to download this app. This is THE place to track your credit history, see updates on your credit score, and get input on what you may need to do to improve your situation. This...
Credit Karma
I used these guys to help me out with my situation back in 2012. They were phenomenal. I didn’t take my decision to use them lightly. You will have to put in some work, make sacrifices, and curb spending for awhile, but if you stay on course and stic...
FREEDOM DEBT RELIEF (Credit Card Debt Relief Program)
The Debt Snowball method is another good approach to dealing with debts. If you can manage to pay off a smaller debt, no matter how small it is, it will do a lot for your own morale. I highly recommend taking this route in order to build on progress....
How the Debt Snowball Method Works - Ramsey Solutions
The way I see it, if you’re already in debt, it can’t hurt to just cut the cards up and keep yourself from using them. This is one option many use in order to help with spending habits that keep them going through this never ending cycle of debt.
Cutting up credit cards : r/DaveRamsey - Reddit
You could also get a second job. Regardless of whether it’s a wfh job, onsite job, passive income, etc. there are things you can do to maintain your quality of life and pay off debt at the same time. You have more power than you think.
20 Good Second Jobs To Earn Extra Income (With Benefits) - Indeed
Although this could turn out to be a costly cycle of you aren’t disciplined with your spending and pay off habits, this can turn out to be a great option that will lower interest rates temporarily and put you in position to resolve credit debt a litt...
Best Balance Transfer Cards for April 2025 - Credit Karma
Taking out a personal loan can wind up only doubling your debt, but if you are disciplined and truly committed to the task of paying off credit card debt, then this could wind up being a great idea and also help to clean up your credit score too.
Online Personal Loans from $2,500 to $40,000 | Discover
Simply saving your money and not spending it can help you to move towards your goal of paying off credit debt
Save Money
Canceling weekly/monthly app subscriptions can prove to be a very smart move when saving money in your bank account as well as on your credit card. We tend to subscribe to so many of these things in today’s world. Some of which we tend to forget abou...
View or cancel app subscriptions on iPhone - Apple Support
Finding a hobby that will keep you at home or doesn’t cost money can help to keep you busy and prevent you from spending at the same time. Sometimes we need to take a step back from everything and just reflect through more solitaire activities.
Non expensive (or free!) hobbies at home : r/simpleliving - Reddit
Taking out a home equity loan isn’t the most appealing option, but it can be a very good one in order to reset your situation and get out of credit card debt
Home Equity Loans - U.S. Bank
Taking out a 401k loan is also a good option, but you’ll need to talk to an expert and make sure you are following all of the rules in order to keep yourself from creating another issue with your finances.
Taking a 401k loan or withdrawal | What you should know | Fidelity