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Tip 4: Despite popular belief, the Government DOES NOT offer a grant or bailout program for unsecured debts such as credit cards, personal loans, store/gas cards, medical bills, or judgments. This information is publicly displayed at Grants.Gov. Unsecured debts are best resolved through Debt Settlement, Credit Counseling and Bankruptcy. Tip 5: Credit Score Breakdown:
760-850 is Superior
720-760 is Good
600-720 is Moderate
500-600 is Poor
< 500 is Bleak Tip 6: Bankruptcy should be your last option when resolving your debts. It is the only debt resolution solution that is tracked long-term (10 years), may cost you a job, and is a lose-lose situation. Please consider Debt Settlement, Credit Counseling, and Loan Modification first; you can always file for bankruptcy later if needed.
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