To help my readers I have decided to start posting financial tips starting today with tip #1

Clean Credit Report Tip #1

If you are expecting to have a payment problem contact the lenders asap. It happens to the best of us, a situation that makes it hard to pay your bills on time. When you find yourself in this situation, it is imperative that you immediately contact the Company that you owe money to. Most Companies will let you set up a new payment schedule. Talking to the Company can help avoid additional fees and keep your overdue bills or account from being sent to a collection agency.