Debt Relief, Credit Repair & Personal Loans — Plain-English Guides
Step-by-step explanations, realistic tradeoffs, and scam-proof tips to help you choose the next move.
Educational content only — not financial or legal advice.
Debt Relief
Settlement, DMPs, hardship programs, legal basics, scams & 1099-C taxes.
Credit Repair
Scores, reports, disputes, late payments, collections, utilization, fraud protection.
Personal Loans
APR, fees, requirements, DTI, prequalify, comparing offers, consolidation math.
Start Here
Three core guides to get oriented fast — then pick the deeper article you need.
Debt relief options
Compare settlement, DMPs, hardship programs, and key risks.
Credit score basics
What affects your score and why it changes month to month.
Personal loans 101
APR, fees, and when a loan actually makes sense.
Pick your situation
If you’re under pressure
If you’re rebuilding credit
Editorial standards, not hype
- Independent educational content (no personal advice)
- Clear tradeoffs: costs, risks, timelines
- Updated guides + corrections welcome
FAQ
What are the main debt relief options?
How does debt settlement work?
How long do credit disputes take?
What credit score do I need for a personal loan?
Balance transfer vs personal loan — which is better?
Choose the next step
Pick a hub to start with the basics, then go deeper into the guides.