Consumers Need Serious Credit Education: Consumers count on their credit reports to buy cars, homes, insurance and to secure a job yet millions have no idea how to manage their credit reports.

Teaching consumers how to protect and manage their credit reports is now affordable.

(PRWEB) September 23, 2004 -- Why is it that a person will sit down and begin to plan their financial future, make a plan to payoff their debts and even put money away for early retirement but wont bother to plan or protect their most valuable financial asset...their credit?

Its an epidemic in the United States: bad credit. People pay higher interest and insurance rates, lose out on employment opportunities and generally look bad, all because of their credit reports. If thats the case then why are so many Americans in the dark about their credit and how to make it better and keep it strong?

According, to credit expert, Kristi Feathers, consumers are intimidated by credit bureaus, creditors and collection agencies. If they are told their credit is poor they often accept it as gospel and pay higher rates. What they dont realize is that credit reports contain errors, collection agencies often violate Federal Fair Debt Collection laws and creditors make mistakes that cost the consumer. By paying attention to your credit reports you can ask for the best rates and terms, protect your financial privacy and make good use of your credit to help you have an overall better financial future. That is why CarreonandAssociates.com (http://www.carreonandassociates.com) offers affordable do it yourself credit education, says Ms. Feathers.

More and more consumers are engaging the services of credit repair companies because they are overwhelmed by the whole credit process. If they find inaccuracies or bonifide errors on their credit reports they will often hire an agency to fix it for them, which can be costly. CarreonandAssociates.com offers complete credit management, which allows the consumer to review credit and collection articles, download the credit restoration ebook and even gives the consumer sample letters to address almost any credit or collection situation.

This method keeps the consumer in control of their privacy and lets the individual correct their credit on their own without paying higher agency fees or giving up their private information such as address, social security number or copies of their credit reports. The Member pays a one-time fee of $29.95 and has lifetime access to articles, tips, sample letters, updates, legal research tools and the credit restoration ebook. Compare that to a credit repair firm that may charge up to $70.00 per month for one-year service.

Accessing this information and knowledge is key to having better credit and understanding how to deal with credit and collection issues. CarreonandAssociates has been offering this self-help alternative since 1997.

About CarreonandAssociates
A consumer web site dedicated to educating people about credit and collection issues. Kristi Feathers is a self-proclaimed credit expert who wrote the ebook on correcting your credit and dealing with collection issues. You can visit the website at www.carreonandassociates.com and www.KristiFeathers.com

10073 Valley View Street #271
Cypress, Ca 90630
pr@carreonandassociates.com

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