Meet Dave Ramsey   Free annual credit report National Debt (ya better sit down for this) Stop credit card companies from sending you pre-approved credit card offers by mailing an opt-out form to the 3 credit Bureau's... Opt Out forms

Listen to Dave Ramsey The Truth about Debt Listen to Dave Myth:  Debt is a tool and should be used to help create prosperity. Truth: Debt isn't used by wealthy people nearly as much as we are led to believe. Myth: Debt consolidation saves interest, and you have one smaller payment. Truth:  Debt consolidation is dangerous because you treat only the symptom. Myth: Isn't there positive uses of a credit card?  Like rebates and airline miles? Truth: Responsible use of a credit card does not exist.  Credit card debt is a major problem in America. There is NO positive side to credit!