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http://www.youtube.com/watch?v=m1uZPNS0_B4Yes the negotiating down and paying the debt is the best if you are in a position to do it....

Calculate the total monthly payment of a mortgage http://www.goinspections.com/?page_id=53...

http://www.youtube.com/watch?v=DoxaXHE3ZHoThey tell you to cancel your cards which is not right and will lower your credit ratings and score....

http://www.youtube.com/watch?v=zE7AnXDiNlc&feature=related...

http://www.youtube.com/watch?v=eAU2TMLumt4...

http://www.youtube.com/watch?v=1kMjxjlYYMsActually the"annnualcreditreport.com" does not give you any scores, so you have togo to other places to check your score...

http://www.youtube.com/watch?v=s-DH_RCWnY4&feature=relatedEasy right?Wrong , He assumes everything else in your credit is fine...