Product DescriptionTotally Debt Free Lifestyle: Your Transition to a Better Financial Situation THIS EBOOK HAS A TABLE OF CONTENTS THAT ARE CLICKABLE FOR EASIER VIEWING. The Biggest Myths When it Comes to Bad Credit!There’s a lot of misinformation floating around when it comes to debt management and credit reporting. . . Here are the top 3 Myths when it comes to debt management. . . Myth #1 – Paying a debt will remove it directly from your credit report. Late payments, tax liens and collections will usually stay on your credit report for the next seven years! And this will lower your credit scoreMyth #2 – Canceling credit cards will improve your credit score. Wrong! If you cancel or close a credit card you had for a long time, you’re effectively shortening your credit history. . . It’s better to keep your card with an amount of zero to raise your score. Myth #3 – Paying for cash will help increase your credit score. Paying cash is a great way to stay out of debt, but it can hurt your overall credit score. Your score is determined by your credit history, which means having and using credit could be good. . . if you can control it. Here’s How You Can Get Out of Bad Debt and Have a Debt-Free Lifestyle Starting Today!I’ve just completed my new ebook called, “Totally Debt-Free Lifestyle” that gives you a step-by-step system to get out of bad debt! It’s way different than anything else on the market and this program took me few years to develop!Here’s a Few Breakthrough Features in my eBook You’ll Discover!Totally Debt-Free Lifestyle*What exactly is bad debt or credit and why people get into bad debt. *Steps to avoiding credit card debt, the most common and serious case of debt accumulation. *How to check and choose the best credit interest rate. . . What to ask and clarify before choosing your credit card with the lowest rates. *Step by step guide to getting rid of your debt in complete detail. *Debt reduction plan to help you pay off all your debts soon than paying only the minimums. *What is interest and how to use the lowest interest rates to your advantage. *Summarizing your debts is very important – I’ll show you real life examples of how I summarize my debts correctly and create a formula to pay them all off. *Learn the secret to repaying debts quickly and still save on interest charges. . . And once that debt is paid off, you can use the secret to pay off the rest of your debt. *Whether your a student, a stay-at-home mother, or working a nine-to-five job, I’ll break down step by step how to become debt-free. *And Much Much More! Table of Contents:PrefaceSection I: Introduction on debtsChapter 1: What Exactly is Debt?Chapter 2: Why Do People Get Into Debt?Chapter 3: How to Avoid Debts. Section II: Guide to get rid of your debtsChapter 4: Summarize your debtsChapter 5: Create a Debt Reduction PlanChapter 6: Steps towards being debt freeChapter 7: Help yourself outSection III: ConclusionThis covers debts, avoid debts, how to avoid debts, plan to reduce you debts, plan to reduce your debts, how to get rid of your debts, how to be debt free, guide to debt reduction,