The 7 Secrets to Getting—and Staying—Out of Debt As vice president of the American Credit Foundation, a nonprofit organization that helps individuals and families manage their debt, Mike Peterson knows firsthand how financial problems can wreak havoc in one’s life. Each day, counselors at the Midvale, Utah-based foundation help desperate clients dig themselves out from under piles of unpaid bills, stern notices from collection agencies and ominous foreclosure threats.
So, exactly what does it take to get—and stay—out of debt?
Here are 7 secrets that will help set you on the right path.
1. Cut Back on Credit Cards
Banks love to send offers for new credit cards to consumers, and mailboxes overflow with low-interest—even no-interest—“unbeatable deals.”
This doesn’t mean you should apply for them and risk running up large bills.
“Ideally, one should have no more than two or three credit cards,” Peterson says. “I would recommend a Visa or MasterCard, followed by an American Express card. Having two or three different cards will allow you more flexibility when utilizing credit, as some companies do not accept one or the other.”
2. Understand the Consequences of Breaking Rule #1
Even if you have excellent credit and zero debt, applying for too many credit cards can damage your credit rating.
“Generally, inquiries for new credit can affect your credit report for up to two years,” Peterson says. “Having too many credit cards—whether carrying balances or just high amounts of available credit—can negatively i Details...
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