Credit card debt is a very big problem many people have, especially in the west. Many people are now paying enormous amounts in interest year after year because of their continued usage of credit cards, to finance almost everything. Though some might have landed up with credit card debt due to some unfortunate event or emergency in their life, most people carry credit card debt due to their own misuse of their credit cards.

Some of us have gotten into financial hardship due to our use of credit cards, even to the extent of having to file for bankruptcy. We hope you are motivated to eliminate any credit card debt you have once you read this article. There are some very simple rules you can use to eliminate this debt.

It is not difficult to eliminate credit card debt but it does require a change of habits, especially spending habits, you may have taken years to build. Eliminating debt is step one and keeping it paid down is a big step two, which should last the rest of your life. The key is to create a doable plan and stick to until your credit card debt is completely paid off.

You have followed the plan you made or hired a debt-repayment-service, and after some time all your credit card debt is gone. Whatever you did to eliminate the debt continue with the same habits to keep it that debt monkey off your back. Whatever you do, do not fall back into the same habits you had before debt repayment.

Do whatever it takes to keep the debt off! Be persistent, and relentless. An accountability partner could help you keep that debt off. Manage yourself internally and externally to keep the lid on accumulating that debt again. Whatever you do, don’t fool yourself into thinking that it is okay to build that debt back up again.

Most of the rules that you followed when you were trying to pay off credit card debt, will also hold good after you have paid off your credit card debt. Here is a quick synopsis of things that you should take care of even after you pay off credit card debt:

1) Pay cash for everything, you possibly can. Your spending habits will go down considerably.

2) Only charge when you have absolutely no other alternative.

3) Use your credit cards like a 25 - 30 day interest free loan. Pay it off before just the finance charges kick in.

4) Only hold as many cards as is absolutely necessary. You should not need any more than three. Hold credit cards which give you a usable benefit, such as points for travel or other necessities.

These are just very basic rules for eliminating credit card debt; you can add more based on your own experience and knowledge.

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The scoop on www Freetriplescore43 com & www Freetriplescore49 com.

Q: What are www Freetriplescore43 com, www Freetriplescore49 com, and other web presences like those you’ve mentioned that I hear advertised on the Television and Radio. Are they somewhat like this free credit report offer?

They all appear to land me on the same web page. What is that?

A: I get such a great number of questions like this that I’ve made up a separate Q and A category called Radio and TV Ads. E.g., in addition to the web presences you’ve talked about you could mention many others that you haven’t seen or heard of yet.

In many cases these web presences are owned by Lead providers or distributors running co op advertising and rotating web presences. Also, In many cases web presences such as those you’ve mentioned are used to analyze what advertising produces what return or frequently they are used to track revenue-share deals with Television & Radio stations running the commercials.

E.g. they might assign a Television station or Radio Station to each website to see which advertising spot produces the best return.

For example:

www Freetriplescore43 com - Radio Station WBVX - Amount of leads produced: 892 www Freetriplescore49 com - Radio Station WZBY - Amount of leads produced: 322 Other web presences - Radio Station WLMU - Amount of leads produced: 404

I hope that cleared it up for you.

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As identity theft becomes more prevalent, the need to regularly check your credit report is very easy to see and understand. Two big headlines in the news recently point to how closely tied your credit report and identity theft are.

First, we hear of the troubles of Choice Point, a company involved in the storage and distribution of credit information. It appears some criminals set up a fake company and used it to obtain sensitive credit information. Then in turn they used it to steal the identities of about 750 people. That number will probably grow, since more than 500,000 people across the country have been put at risk.

Second, comes the story about missing computer tapes containing credit card records of more
than 1.2 million of Bank of America cardholders. Most of the accounts belonged to federal
government employees. This has placed the account holders in danger of increased risk of
identity theft.

Both of these companies are now in the process of notifying the people of their exposure. The
truly bad part of all the problems is these leaks and losses occurred months ago. These two
companies were not very quick in notifying the people affected. Way too much damage could
have been done before they had been alerted to the trouble.

While the headlines may change, the need to check your credit report does not. You may be very careful. You may shred your documents, the credit card and other financial solicitations you
receive in the mail. You may take great care how and where you give out your financial information. Unfortunately as these stories show, it may not be enough.

Identity theft affects about 10 million victims per year. It has been estimated to cost consumers
and businesses more than 50 billion dollars a year. It is easily among the fastest growing
categories of white collar crime. You need to do all you can to fight theft of your identity.

A new law has been put on the books by the Congress to help combat the losses. It allows the
you, the consumer to request a free credit report from the credit agencies once a year. You should not hesitate to take advantage of it. However, the law has a rollout feature which does not allow full access for all Americans until September 1 of this (2005) year.

While this is a step in the right direction, in typical fashion the government continues to leave the populace exposed. You should access your credit report much more often than once a year. If an identity theft takes place just after receiving the free credit reports, an enormous amount of damage can be done before you can review your next free report.

The Federal Trade Commission has put together a list of questions and answers concerning this
new law and the effect it will have on your credit report and your risk of identity theft. They can be helpful to you in determining your rights under the law

It makes sense to check your reports regularly, as often as, on a monthly basis. This may seem a
bit much to you, but just ask a person who has had their identity stolen how much hassle it is to take your life back. They will tell you it is well worth the effort. Let’s face it, no one cares as much as you, about your credit record, and the damage that identity theft could cause in your life.

(c)2005 David Wilding

About the Author

David Wilding has for the past ten years worked with groups and individuals to rid their lives of debt. Visit his site http://www.debtattack.com for more ideas, tools, and strategies for becoming debt free.

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