Debt.com: credit counseling promotions, coupons, offers

Debt.com does not offer any coupons, deals, discounts, promotions, or vouchers for its services. However, Debt.com does provide free consultations and evaluations for anyone who needs help with their debt issues. You can call Debt.com at 800-810-0989 or fill out an online form to get started.

Debt.com is a website that connects you with accredited and certified debt relief providers who can help you with various debt solutions, such as debt settlement, credit counseling, debt consolidation, bankruptcy, student loan debt relief, and tax debt relief. Debt.com also offers free educational resources, tools, and tips on how to manage your money, budget, and credit.

The cost of Debt.com's services depends on the type of debt solution you choose and the amount of debt you have. Debt.com does not charge any upfront fees for its services. You will only pay a fee to the debt relief provider you work with after they successfully resolve your debt. The fee varies depending on the provider and the state you live in, but it usually ranges from 15% to 25% of the total debt enrolled.

Debt.com can help you improve your credit score by helping you pay off your debts faster and more affordably. By reducing your debt balance, lowering your interest rates, and avoiding late fees and penalties, you can improve your credit utilization ratio, payment history, and credit mix, which are the main factors that affect your credit score. However, some debt solutions, such as debt settlement and bankruptcy, can have a negative impact on your credit score in the short term, but they can also help you rebuild your credit in the long term.

You can contact Debt.com by calling 800-810-0989 or by emailing [email protected]. You can also follow Debt.com on social media platforms, such as Facebook, Twitter, Instagram, and YouTube, for the latest news and updates. You can also subscribe to Debt.com's newsletter to get exclusive offers and tips delivered to your inbox.

Debt.com offers a variety of services to help people get out of debt and improve their financial situation. Some of the most popular Debt.com services are: - Debt settlement: This is a process where you negotiate with your creditors to reduce the amount of debt you owe and pay it off in a lump sum or in installments. Debt.com can connect you with accredited debt settlement companies that can help you save money and get out of debt faster. - Credit counseling: This is a service where you get advice and guidance from a certified credit counselor on how to manage your money, budget, and pay off your debts. Credit counseling can also help you enroll in a debt management plan, which is a program where you make one monthly payment to a credit counseling agency that distributes it to your creditors, usually at lower interest rates. - Student loan debt relief: This is a service where you get help with finding the best repayment option for your federal or private student loans. Debt.com can help you apply for income-driven repayment plans, loan consolidation, loan forgiveness, or loan refinancing, depending on your situation and goals. - Tax debt relief: This is a service where you get help with resolving your tax debt issues with the IRS or your state tax authority. Debt.com can help you find a tax professional who can negotiate with the tax authorities on your behalf and help you qualify for tax relief programs, such as an offer in compromise, an installment agreement, or a penalty abatement. - Credit repair: This is a service where you get help with improving your credit score by disputing errors and inaccuracies on your credit reports. Debt.com can help you find a reputable credit repair company that can help you remove negative items from your credit reports and boost your credit score.

According to Investopedia, the most common types of debt in America are: - Mortgage debt: This is the debt you owe on your home loan. The total mortgage debt in America is $10.6 trillion, and the average mortgage debt per household is $208,185. Mortgage debt makes up 71% of the country's total debt. - Student loan debt: This is the debt you owe on your education loans. The total student loan debt in America is $1.57 trillion, and the average student loan debt per borrower is $38,792. Student loan debt makes up 11% of the country's total debt. - Auto loan debt: This is the debt you owe on your car loan. The total auto loan debt in America is $1.37 trillion, and the average auto loan debt per household is $27,735. Auto loan debt makes up 9% of the country's total debt. - Credit card debt: This is the debt you owe on your credit cards. The total credit card debt in America is $787 billion, and the average credit card debt per household is $14,241. Credit card debt makes up 5% of the country's total debt. - Other types of debt: These include personal loans, home equity loans, medical debt, payday loans, and other forms of consumer debt. The total other debt in America is $569 billion, and the average other debt per household is $10,859. Other debt makes up 4% of the country's total debt.

There are several steps you can take to improve your credit score, such as: - Paying your bills on time and in full every month. Your payment history is the most important factor in your credit score, so making timely and consistent payments can boost your score significantly. - Keeping your credit utilization ratio low. This is the percentage of your available credit that you use. The lower your ratio, the better for your score. A good rule of thumb is to keep your ratio below 30%, and ideally below 10%. You can lower your ratio by paying off your balances, increasing your credit limits, or using fewer cards. - Checking your credit reports for errors and disputing them. You can get a free copy of your credit report from each of the three major credit bureaus (Experian, Equifax, and TransUnion) once a year at AnnualCreditReport.com. You should review your reports for any inaccurate or incomplete information, such as wrong accounts, balances, or personal details, and contact the credit bureau and the creditor to correct them. - Having a mix of different types of credit. Your credit score reflects your ability to handle different kinds of credit, such as revolving credit (credit cards) and installment credit (loans). Having a variety of credit can show that you are a responsible and diversified borrower. However, you should not open new accounts just for the sake of having a mix, as this can lower your score by generating hard inquiries and reducing your average account age. - Avoiding applying for too many new accounts in a short period of time. Every time you apply for credit, the lender will perform a hard inquiry on your credit report, which can lower your score by a few points. Too many hard inquiries in a short span can also indicate that you are desperate for credit or a risky borrower, which can further hurt your score. You should only apply for credit when you need it and space out your applications as much as possible.

There are many good financial books to read, depending on your goals, interests, and preferences. Some of the best financial books for beginners are: - "The Richest Man in Babylon" by George S. Clason: This is a classic book that teaches the timeless principles of saving, investing, and wealth building through simple and engaging stories set in ancient Babylon. - "The Total Money Makeover" by Dave Ramsey: This is a practical and motivational book that guides you through the steps to get out of debt, create a budget, build an emergency fund, and invest for retirement. - "The Little Book of Common Sense Investing" by John C. Bogle: This is a concise and informative book that explains the benefits of investing in low-cost index funds that track the performance of the stock market, rather than trying to beat the market by picking individual stocks or paying high fees to active fund managers. - "Rich Dad Poor Dad" by Robert T. Kiyosaki: This is a popular and controversial book that contrasts the financial mindsets and habits of two fathers, one rich and one poor, and how they influenced the author's views on money, investing, and entrepreneurship.