When it came to my son and his credit card I was apprehensive about how he would manage it once we let go of the reigns after he got out of college. Life was now his mistake to make as we could no longer say "You aren't an adult yet. When it is your money you are spending then you can do what you want with that piece of plastic." Of course the only time using a credit card ever feels like you are spending your money is when a bill comes in the mail. The rest of the time its invisible money and quick satisfaction for things you really might not be able to afford. I worried since we had shamelessly spoiled him growing up and I don't really think he knew how to manage his time and money responsibly. He also couldn't find a steady job straight out of college and resorted to the local music shop, or deli for a meager weekly paycheck. Although he wasn't making much he'd still come home with new toys quite often like expensive video games, books, jackets etc. I knew he probably just slid his card through and walked away. "Don't worry mom, I'm making the minimum monthly payments!" Hmmmm... he had no idea what life would be like in massive debt. In fact it didn't take very long at all for him to understand.

                Eventually he moved out when he acquired a decent job that could afford a place of his own. I was proud of him but being a mom I never stopped worrying. Occasionally he'd call home saying he'd need a little help with rent or groceries, but surprisingly I never heard much about his credit card debt that had steadily built up while he was still living with me. Several years went by when one afternoon I received a frantic call from him complaining how he had lost his job a few months back and had been trying to pay his bills through unemployment checks but was really behind on his credit cards, of which he now had two. After scolding him for not having told me of his troubles much earlier I immediately set out to find a solution. He said the credit card companies had begun calling him regularly asking what the situation was, and threatening him with the law. We both looked up his credit score and it had plummeted to new lows, if it had ever been much to begin with... "Calm down, lets both seek professional help and figure this out. The credit card companies don't want to ruin you, they just want solutions." I tried to calm him but the truth was I didn't know much about credit debt. Well, we found a site in our frantic searches called credit-yogi.com that was very helpful. We found out immediately how to stop the damage and start restoring a credit score.

- Stop using credit cards altogether and seek help from a professional in the field of credit repair

- Begin attempting to pay of the cards with the lowest balance first

- See if your credit card company is willing to negotiate different terms of payments. If so a professional representative can help you in the negotiations.

- The most important thing on how to fix a credit score for free is to make your payments on time. You will see results immediately.

                Thanks to credit-yogi.com and their advisors we were able to find a legal credit repair company that offered bad credit repair service. My son began his recovery and began to understand the dangers of credit card debt. No doubt he will return to this website for further advice in the future.