If you are stuck in a rut and trying to save money where, and when, you can then tackling your debt should be a priority. There are several ways that you can make a difference on your own credit score, without the help of one of those credit specialists.
If you are one of the millions of unfortunate families that have acquired debt on far more than one credit card, then you have a decision to make. You have to choose to spend less, to only use one or two (low interest) credit cards for emergencies only, and you have to tackle the highest interest credit card you own and begin waging war against it.
The third choice is your smartest and best defense against your debt. Even if you owe the most on the highest interest card, it is still in your best, over-all interest, to pay off as much as possible on this particular card first.
You also need to put your game face on, step up to the plate, and get your creditors on the phone. It is not in your favor to avoid them. You need to get all of your most recent payment statements lined up on one table, circle the 1-800 numbers on all of them, and go to it. Ask to speak with a manager right away and this will show your sincerity.
If your interest rate is above thirteen percent make your first bid at least three points, taking it to ten percent, or go lower. If you go too low they will laugh you off the phone so be reasonable. If you tell the company that you are planning to move to a lower interest credit card company then they will feel more obligated to give the ‘ok’ on the interest rate drop.