¨ Are you afraid to answer the phone because it may be bill collector calling?
¨ Do you avoid the mailbox because there may be notices from collectors?
¨ Has it been longer than 12 months since you last checked your credit report?
¨ Have you recently been denied credit, a job, or a rental?
¨ Do you have sleepless nights because of your credit?
¨ Are you considering filing bankruptcy?