The most important thing to know about your credit, besides your credit limits, is what is on your credit report. It is so easy to get credit, make mistakes with credit and end up in debt and then worry about what to do. The first step in facing this situation is finding out what is actually on your credit report. By doing this, you can replace worries with facts and know where you stand.
Once you find out, you won’t have to wonder about your debt, worry so much about debt collectors or be uncertain in where you stand. Worry about debt is simply not knowing what is going on and what could happen. So the first thing to do is find out exactly where you stand. Get your free credit report as allowed by federal law. This information at annual credit report is the Federal Trade Commission Consumer Information that explains how to use your report.