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How To Become Debt Free!
"The Debt Relief Secret"


Looking for a new job? Did a headhunter call you about your “Dream Job”? Have you updated your resume? Sent your best suit to the dry cleaners? Checked your credit report?

Yes, your credit report. Many employers are turning to credit reports to get a better look at their future employees. Hiring a new employee is a risk and costly. They are finding out if the applicant is financially responsible and in good standing. The Federal Trade Commission has this posted on their website:

“As an employer, you may use consumer reports when you hire new employees and when you evaluate employees for promotion, reassignment, and retention — as long as you comply with the Fair Credit Reporting Act.’

The potential employer only needs to get your permission to run a credit report and then only needs to inform you if the report was the reason that you were not hired and give you information on how to obtain a copy of the report.

Do you know what’s on your credit report?

Before you send in your next resume or circle your next ad in the classifieds check your report. You should order a credit report from all three credit bureaus. Go to www.bsbr.com and obtain free credit reports from all three bureaus.

When you receive your report look at it as an employer or a potential employer. Do you have late pays? Delinquent accounts? Charge offs? Maxed out on any of your credit cards? Someone else’s information on your report? Incorrect addresses that appear as if you have moved constantly? All of these may show a potential or existing employer that you are not as financially responsible or stable as their ideal employee even if the information is not yours.

A financial institution may have policies against hiring individuals who are in serious financial trouble or have low credit scores.

What to do now? Contact a Credit Bureaus Specialist, such the ones at BSBR, to see what can be done to improve your credit score. Having good credit isn’t just writing into the credit bureaus trying to get negative items off. A specialist looks at the whole picture and advises you on everything that can be done to improve your credit standing and make you appear to be in control of your finances.

You need to start working on this quickly, your next career move may depend it.


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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.