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Once everything started rolling I didn't have to worry and having only one payment was great.
- Betty Morris

Did you know?

91% of undergraduates have at least one credit card

Qualified Debt

  • Credit Cards
  • Collections
  • Unsecured Loans
  • Autos Repossessed
  • Unsecured Personal Loans
  • Unsecured Personal Lines of Credit
  • Medical Bills

Unqualified Debt

  • IRS Debt/Taxes
  • Utility Bills
  • Home Loans/Mortgages or Home Equity
  • Auto Loans
  • Student Loans
  • Government Loans
  • Secured Debts
  • Apartment Leases/Rent
  • Consumer Electronics & Furniture
  • Payday Loans

Protect yourself against Credit Card theft - follow these easy steps


  1. Sign your cards as soon as they arrive.
  2. Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.
  3. Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
  4. Keep an eye on your card during the transaction, and get it back as quickly as possible.
  5. Void incorrect receipts.
  6. Destroy carbons.
  7. Save receipts to compare with billing statements.
  8. Open bills promptly and reconcile accounts monthly, just as you would your checking account.
  9. Report any questionable charges promptly and in writing to the card issuer.
  10. Notify card companies in advance of a change in address.


  • Lend your card(s) to anyone.
  • Leave cards or receipts lying around
  • Sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total.
  • Write your account number on a postcard or the outside of an envelope.
  • Give out your account number over the phone unless you're making the call to a company you know is reputable. If you have questions about a company, check it out with your local consumer protection office or Better Business Bureau
Starting Steps to Improve Your Credit
  1. Pay your bills on time. Proving that you can pay your bills on time is the best thing you can do to improve your score. And it's never too late to start. Even if you've had serious delinquencies in the past, these will count less over time.
  2. Keep credit cards balances low. High outstanding debt can pull down your score.
  3. Check your credit report for accuracy. There may be inaccurate information on your credit report that can be easily cleared up. Always contact the original creditor and all three credit bureaus whenever you clear up an error, so that the inaccurate information won't reappear later. Requesting a copy of your credit report won't affect your score if you order it directly from the credit reporting agency or an authorized organization.
  4. Pay off debt rather than moving it around. Consolidating your credit card debt on one card or spreading it over multiple cards will not improve your score in the long run. The most effective way to improve your score is by simply paying down the amount you owe.
  5. Have credit cards-but manage them responsibly. In general, having credit cards and installment loans which you pay on time will raise your score. Someone who has no credit cards tends to have a lower score than someone who has managed credit cards responsibly.
  6. Don't open multiple accounts too quickly especially if you have a short credit history. This can look risky because you are taking on a lot of possible debt. New accounts will also lower the average age of your existing accounts, something that your credit score also considers.
  7. Don't close an account to remove it from your record. A closed account will still show up on your credit report, and may be considered by the score. In fact, closing accounts can sometimes hurt your score unless you also pay down your debt at the same time.
  8. Shop for a loan within a focused period of time. Credit scores distinguish between a search for a single loan and a search for many new credit lines, based in part on the length of time over which recent requests for credit occur.
  9. Don't open new credit card accounts you don't need. This approach could backfire and actually lower your score.
  10. Contact your creditors or see a legitimate credit counselor if you're having financial difficulties. This won't improve your score immediately, but the sooner you begin managing your credit well and making timely payments, the sooner your score will get better.
Also get more tips on:

Debt Burst is happy to share these 10 easy steps but it may take some time to get there. We also have programs that can help you improve your credit over time. Give us a call to find out how we can help improve your credit situation. Call 800.656.6204