Certified credit counselors will provide you with an analysis of your credit report and advise you on the measures you need to take to clear your credit and eventually improve your credit score. Improving your score will lead to lower interest rates when purchasing homes, autos and other assets. Some employers use credit scores as measures of potential success of prospective employees.
There is a $25 charge for a credit report analysis.
You can get a free copy of your credit report from each of the three credit bureaus by going to: