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There are easy ways to increase your credit score and reduce loan payments and interest rates.   Increasing your credit score can save you literally thousands of dollars on loans, as well as get those pesky creditors and debt collectors off your back.  There are legitimate ways to get debt collection agencies out of your life.  There is a 4th credit bureau that hardly anyone is aware of and it is a powerful credit bureau that you never want to ignore.

You can benefit from computer software programs that record your financial progress.  The programs can track your debts owed, calculate your loan payments, and figure out how long it will be until you're debt free.

If you're worried about identity theft, there are special phone numbers to call where you'll get free identity theft protection.  (You'll save about $150 a year with a 2 minute phone call.)