Debt free!! Most people want to be debt free right ? Well it takes motivation, effort & time ( which I'm not good at because I'm impatient). You can log onto Annualcreditreport.com and look at your 3 scores for a 7 day free trial . After that you have to pay a small fee to look at your credit . In your file you will find your current address , bills , lines if credit , etc. if something is not accurate you can dispute it. That takes up to 30 days for a full investigation. Also credit unions and neighborhood home work agencies help to guide you. A link below gets you started.

http://www.oprah.com/money/Suze-Orman-Debt-Advice-How-to-Get-Out-of-Debt