Here’s an article coming out of Veracity Credit Consultants’ home state of Colorado about how to get out from under credit card debt:

http://www.koaa.com/aaaa_top_stories/x528752199/How-to-get-out-from-under-credit-card-debt

While some credit advice columns can be short on information and a little sparse when it comes to practical advice, this piece by John W. Schoen is both thorough and extremely accurate.

First of all, as a credit repair agency, we at Veracity cannot stress the importance of good financial habits enough. Chances are, if you need credit repair, you may be beyond that point. But if you do choose credit repair to help you out of your credit funk, remember that good fiscal habits are the cornerstone to maintaining good credit, once you’ve again established it.

In a nutshell, Mr. Schoen’s article is a practice in practicality: pay your bills on time, adhere to a budget, keep a spending journal, make the biggest payments you can to avoid extreme interest charges, seek help and consultation and, of course, watch out for frauds.

We cannot find a single bit of fault in Mr. Schoen’s thorough evaluation of how to get out of debt. But we would like to expand on one thing.

When Mr. Schoen warns against frauds, it would be good to mention, too, that the scenario Mr. Schoen lays out in his article is not a good one for credit repair. A credible credit repair agency would never advise a person falling behind in paying their bills to enroll in credit repair services. Credit repair is something a consumer should look into after they’ve achieved a comfortable spot financially. After all, credit repair has fees, too, and it would do no good to add more fees onto an already stretched budget.

Before looking into credit repair, we at Veracity suggest you find a comfortable place first. That way you can focus on what’s important: optimizing your credit score.