If you have filed bankruptcy or if you know your credit score needs a boost, it is possible to clean up your credit history report to help you save hundreds or thousands of dollars in interest charges and other fees based on a lowered credit score.

As a general rule, most lenders will be comfortable extending credit to you at a competitive rate if your score is above 660. The best rates are offered with a score above 750. Of course there are other factors they consider, but your credit score is the primary one.

Do you cringe as the phone rings for the sixth time in three hours and you look at the caller ID recognizing it is a debt collector calling….again? If you have fallen on hard times and are behind on paying some bills, you may face this situation, over and over again. A debt collector is being paid to collect debt, and often times will use whatever methods considered necessary to get results. In many cases a person doesn’t simply choose to stop paying their bills; instead they don’t have the money to pay them. What are your rights if you are suffering a financial hardship and cannot stretch your paycheck far enough to satisfy all your creditors?