Black Money Business Jobs : HOWTO: Get your free credit reports

I bought the book towards the tail end of paying off my debts.
I didn't really need it personally, but it has lots of great information in there on how to manage and eliminate debt as well as other information.
I hold on to it for when I get the opportunity to clean up someone else's credit

Yeah I'm kind of at a loss at where to start and what to do to get this monkey off my back.
There is this non-profit debt consolidator I was considering using to get rid of these smaller payments.
And then my huge student loan, which I'm paying off now.
 

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