Now that you started down the path of improving your credit I would like to take some time to go over things NOT to do. Some of these pages deal with problems that may have nothing to do with you now or ever, but you should still read each and every article carefully. Think of it as instruction in defensive driving that you hope you will never need, but if an 18 wheeler looks like it may hit you head on you will be glad to have the knowledge. Just knowing some of these hints can keep problems from ever happening. I often wished I could have talked to my debt clients before they missed payments and got in trouble, and they felt the same way. You have that opportunity now and I urge you to take it by reading each and every item in the next section and reading them vigilantly. No debt solution ever works as well as avoiding problems before they begin.