Credit card debt trouble: Please contact credit agency

Do you have a problem that unable to pay your credit card debt?—If so, then your credit card company will sell your debt to a collection agency. If this process occurs, beware, your debt may increase because of fees onto your bill that collection agency will charged you. Debt of $2,000 may become $3,500 in three month. I want to suggest that the first thing you should do is get a copy of your credit report from nationwide credit agencies. You can get it online via the internet. Of course, they will charge a little fee. Credit agencies often get your credit history information from your bank.

The information of each credit agencies are below:
• Equifax Credit Services, PO Box 740241, Atlanta, GA 30374 toll-free: 1-1400-685-1111; www.equifax.com
• Trans Union, PO Box 2000, Chester, PA 19022; toil-free: l-800-888-4213; wwwtransunion.com
• Experian, PO Box 2002, Allen, TX 75013; toll free: 1-888-397-3742; www.experian.con

When you get a copy of your credit report, Check and review it, if something errors, you can claim it. And if all correct, you have to review when credit trouble began. When you can identify it already, try to negotiate restructuring payment schedule program with your bank or Credit Card Company. It’s important to let them know that you are seriously and need to pay back your debt. However, your default history of debt can’t undo – default is still default, but if you can pay debt in new schedule, surely it help you to be able to get credit in the future.

In another way, you should contact to a credit advisor, either, profit or non-profit advisor – it’s up to you. You can find the list of credit advisor by search engine www.google.com or “yellow pages”. Credit advisor often suggest you to consolidate your credit card debt and find a lower-interest rate loan for you.