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In case that you are one of many Americans with bad credit or bankruptcy written on your credit report, and if you are planning to buy a home one day, you might need to correct your credit rating troubles and start your credit repair. To do this successfully, you have the next three choices.

1. You can hire a debt consolidator to help you with your credit problems.

2. You can try and do it by yourself.

3. You can ask for a help from credit union.

Debt consolidators are very helpful in reducing your debts, or helping you with paying back your debts with lower monthly rates. Many people can not make it alone, and your last option could be the credit union.

Credit unions are basically makeshift banks. In fact, they are banks with sole purpose to help people get out of debt. If you decide to go to a credit union, their financial managers will contact your creditors and arrange to have all your debts paid back straight through the credit union.

When you apply, credit union will be the only place where you will deposit your paycheck. And in case that you are getting a direct deposit payment for your paychecks, your money will be transferred to you through the credit union. After that the credit union will check all your expenses and debts and if there is some money left it will be deposited in a savings account instead of you spending it on things you dont really need.

Credit unions will use any legal advantage and every resource possible in order to help you get out of debt and it usually works much better you doing it by yourself, because they are in charge of your money instead of you. Basically you get your own financial expert to take care of you.

Credit unions will provide a debit cards for you, and those work in a much the same way as regular credit cards only these have limit so that you can not spend too much. The reason why credit unions are excellent is that they will actually do all the credit repair work for you, and that includes paying bills for you. It is really liberating because all you have to worry after that is to keep your job, get regular paychecks and dont over spend.

You can find a credit union in your area by checking your local yellow pages or go online and search the web. Actually searching the credit union online could be better, because you can at the same time check reviews or you can sine up immediately with a credit union that you know has a good reputation.

When you search for credit unions look for the one with established close ties with major creditors, the chance is that one of those is the same one that you owe money to. If you do your research well and act fast, using a credit union can save you from bankruptcy. Naturally if you have already applied for bankruptcy or are already in one, than it can help you to speed up your financial recovery and get out of bankruptcy much sooner.

About the Author: At Debt-Free-Family we are dedicated to help you get out of debt, avoid bankruptcy and enjoy a debt free life. Get all the answers on your Bankruptcy Questions