Credit Management

National Debt Crisis Center is a non-profit credit counseling agency dedicated to educating individuals on credit management and promoting financial literacy. Our Credit Management series is designed to help you manage your credit and find solutions to your credit problems.
Take a moment, view our credit management tips and if you have any questions about managing your credit, please contact us online or call us at 1-800-334-6797.

Credit Analysis

This section of our Credit Management Series explains the basics of credit analysis. Learn the factors credit reporting agencies use to determine your credit score. Find the “strings attached” with a free credit report, and how a credit report differs from a credit score. Finally, our credit analysis section provides you with baseline scores so you know how to rate your credit score.

Credit Reporting

This section of our Credit Management Series explains how credit reporting works. Learn who the credit reporting agencies are, and what they look at when creating your credit report. Discover who has access to your credit report and what circumstances allow them to legally access your credit report without your permission. Like it or not, our credit reports affects many aspects of our life. Understand how your credit report defines you.

Your Credit Rights

This section of our Credit Management Series explains your consumer credit rights. We provide an overview of major US credit laws and how they affect your life. Our credit rights sections answers common questions associated with the following credit laws: the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, and the Fair Credit Billing Act.

Credit Alert

This section of our Credit Management Series alerts consumers to the dark side of the credit counseling industry. We provide smart tips for spotting dishonest credit counseling agencies. Our goal is to provide you with the tools you need to make informed decisions on what type of credit counseling agency to work with and how to get the credit help you need.

How to Improve Your Credit

This section of our Credit Management Series teaches you how to improve your credit. By using our four basic steps, you can manage your credit and improve your credit score. Our credit improvement section provides additional resources for getting help to improve your credit.