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Having bad credit can close a lot of doors for many consumers.  If you have bad credit and would like to repair it there are many organizations and resources available that with a little work can help you get back on the right track.  While having lots of debt and bad credit can seem hopeless, the truth of the matter is that you can crawl out of the debt hole with some hard work and a little time.  Here are a few resources that can help you out.

Non Profit Credit Resources
There are plenty of non profit and government agencies that can help you get back on the right track with debt. The US government has many web sites and agencies that can help educate you on how to understand how credit works, how to request a free credit report and how to repair bad credit.  There are also many non profit groups that help those in debt.  It should be noted that because many people feel hopeless about their credit situation, there are many fraudulent credit repair scams out there.  Before you choose to work with a credit repair organization, check with your better business bureau to see if this group has an honest track record.

Financial Advisors Can Be a Valuable Resource
If you are experiencing trouble managing your money, you might want to see a financial advisor.  Financial advisors can help educate you on getting the most out of your financial situation and achieving your financial goals.  While many financial advisors work with individuals that have lots of money to invest, others work with individuals that need to manage their money more efficiently and effectively.  A financial advisor can help you create a budget, give you advice on loans and your credit cards and advise you on strategies to get out of debt quickly.

Books and the Internet on Almost Any Credit Topic
Besides the above resources, there is tons of information on every conceivable facet regarding credit available in book form and on the internet.  If you are having difficulty paying your debt, would like to improve your bad credit quickly or looking to use your high credit score more effectively, you can find these resources fairly easily. 

Having good credit can open many doors and give you more opportunities, if you would like to achieve your financial potential then you should definitely consider the above credit resources.

Bad Credit Resources