It’s a new year - have you checked your credit reports lately? There are three nationwide consumer credit agencies (Equifax, Experian, and TransUnion) and together they maintain the official website AnnualCreditReport.com which lets you check your credit report (or “credit file disclosure”) for all of these agencies at one time, once every 12 months.
For more information and motivation, take a look at this credit score action plan from the FINRA Investor Education Foundation.
(Keep in mind that your credit report is different from your credit score, which is a number assigned by a credit agency. The Federal Reserve has a webpage which explains the difference.)
Once you’ve learned your credit situation, the library has lots of books which can help you control and repair your credit and debt - below are just some of them. There are also a number of nonprofit agencies who provide free debt counseling: