3 Powerful Tools to Destroy Your Debts and Renew Your Credit

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I hate debt. Don’t you?

Debt’s like a cancer, eating away at your goals. It’s taking money out of your pocket and handing it to a lender.

They’re getting ahead. You’re not.

So, let’s destroy your debts this year! And while we’re at it, let’s fix up your credit, too.

If your debts are small and manageable, take some simple steps to destroy them. Create a budget, find extra money within that budget, and use it to target your debts, one at a time.

Need a little help? Get it! The worst mistake you can make is stressing out and freezing like a deer in the headlights. There’s plenty of help out there, and a lot of it is free or cheap.

So stop losing sleep and start fixing the problem right now by checking out a few resources.

1. Talk to a free debt coach

National Debt Relief is one of the most respected providers of debt relief in the country. They’ve helped more than 500,000 people, are A+ rated by the Better Business Bureau and also top-rated by TopConsumerReviews, TopTenReviews, ConsumersAdvocate and ConsumerAffairs.

How it works: You fill out a form on the company website, then a debt coach will call you to learn more about your situation. If they can help you, they’ll set you up with an affordable plan that works for you — and give you an estimate of when you can expect to be debt-free! There’s also no upfront fee and no obligation to get started.

National Debt Relief can help you with almost any unsecured debt, like credit cards, personal loans, medical bills, repossessions … even some student loan debt.

Ready to start a new, happier chapter of your life? Click here and see what they can do for you!

2. Restore your credit with Credit Saint

As you’re well-aware, good credit is essential, and not just because you’ll save a ton of interest when you borrow. (You will!) In most states, bad credit can result in higher car insurance rates, affect your ability to rent an apartment, and in some cases, even affect your ability to get a job.

If you’re not happy with your credit, try Credit Saint. It can help you repair your credit and get the highest possible score.

Not only are they a BBB-accredited business, but all programs come with a 90-day money-back guarantee.

They’re going to help you with a simple, three-step process:

  1. They’ll create a credit monitoring account for you.
  2. They’ll go over the details of your credit history with you and identify anything in your history you disagree with that’s damaging your credit.
  3. They’ll explain how to optimize your credit by using techniques for paying bills and opening or closing credit.

Credit Saint offers three levels of service, depending on your needs and budget. Take a look right now and see if they can help you.

3. Stop paying outrageous interest; borrow from yourself

Tired of paying 20% or more on credit cards or other loans? There’s a better way. Take advantage of much lower rates by borrowing against your home.

One of the most highly rated lenders is Quicken Loans. They’ve eliminated most of the hoops you used to have to jump through, so it only takes a couple of minutes to see what you qualify for.

Of course, if you’re having trouble making ends meet, be careful with this, or any type of loan. But if you’re gainfully employed, responsible and own a home, there’s no reason to pay ripoff rates. Take a couple of minutes and check it out right now.

The bottom line

Make this the year you stop worrying about debt and do something about it. Check out these services and make it happen. Will it be easy? Maybe not. But the longest journey begins with a single step. Take one today.

Bonus: Get free, expert advice on everything money-related

What’s free and gives you tips to spend less, make more and destroy debt? The Money Talks Newsletter. Every day we provide free tips and tricks that will make you richer. And it doesn’t cost a dime.

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Check it out. You’ll be glad you did!