Keep your credit card debts below 20% of your credit limits to help improve your credit scores.
A debt elimination plan is the most desirable approach to dealing with your credit card debts. If you need to settle your credit card debts, you may consider working with a debt settlement company.

However, just know that they do not legally improve your credit and your credit scores may even suffer more. So make sure you understand how to select a reputable debt settlement company to work with.
Get credit information and decide for yourself who to trust to help legally improve your credit!

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