 TITLE: How to Repair Your Credit CONTENT: How to Get More Help With Your Credit and Debt\n----------------------------------------------\nIf you're looking for help with your credit or are having trouble managing your bills, you could reach out to a nonprofit credit counseling organization. These companies offer guidance on a wide range of financial issues, and you may be able to start with a low-cost or free initial consultation.\nThe National Foundation for Credit Counseling (NFCC) can connect you with reputable partner agencies that meet the NFCC's standards and requirements. Depending on where you live, you could meet with a trained counselor in person, or arrange an online or phone meeting.\nThe counselor can offer guidance on your personal finances and show you steps you can take to improve your credit. If you're struggling to afford your bills, the counselor may be able to negotiate lower monthly payments with your creditors and set you up with a debt management plan. While this could negatively affect your credit scores in the short term, the plan can help your credit over time as you get better control of your debts. END