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 each of these agencies once every 12 months, for no cost.
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. USA.gov has a webpage which explains the difference.)
Once you’ve figured out your credit situation, the library has books which can help you learn how to control and repair your credit and debt. There are also a number of nonprofit agencies who provide free debt counseling: