Debt Management

Learn how debt can affect your credit scores, plus the different types of debt (both good and bad), and best practices for paying it off.

[Video] Strategies for Paying Off Debt

There are many different strategies for repaying debts. How can you pick the one that fits your budget?

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[Video] How to Negotiate with Lenders

If you’re a borrower facing financial difficulties, learn how negotiating with your lender may help you get a better handle on your debt.

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[Video] How Can I Prioritize Repaying Multiple Debts?

If you’re juggling multiple debts, these strategies may help you prioritize your repayment efforts.

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How to Catch Up When You’ve Fallen Behind on Paying Your Bills

If you’ve fallen behind on paying your bills, these six steps can help you get back on track.

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How to Bypass Debt Collectors and Work with Your Original Creditor

Dealing with a debt collector can be intimidating and costly. Here’s when you may be able to bypass debt collectors and work with your original creditor to repay what you owe.

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How to Manage and Pay Off High-Interest Debt

Here are a few important things to consider when it comes to managing and paying off high-interest debt.
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What Are the Different kinds of Debt?

You may think that all debt is the same, but loans and other debts can have different impacts on your credit scores.

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[Video] What Is a Credit Utilization Ratio?

Your credit utilization ratio is a factor in calculating your credit scores. Learn more about credit utilization and how it can impact your credit.

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What Is Wage Garnishment?

A wage garnishment is when money is withheld from an employee’s earnings to pay back debt. Learn about garnished wages and what to do if it happens to you.

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What Is a Debt Consolidation Loan? Does Debt Consolidation Hurt Your Credit?

When considering debt consolidation, it's good to know how this repayment strategy might impact your credit. At Equifax, we cover why debt consolidation may be a good idea, including the pros and cons.

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What Can a Debt Collection Agency Do?

Collection agencies are used by creditors and lenders to collect funds that are past due or in default. Learn more about your rights and what collection agencies can and cannot do.

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You Ask, Equifax Answers: How Can I Stay in Good Standing with Lenders and Creditors?

What can you do to make sure that you stay in good standing with your lenders and creditors?

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