Washington, DC, is not the only place that seems to be out of money these days. Many families that have relied on credit as a means to pay for everything instead of saving up cash are now finding themselves in debt. This instant, must have this item today, mentality has gotten many people in over their heads. With unemployment numbers on the rise, more and more families are trying to tighten their belts and reduce their unnecessary spending. Unfortunately for some, with their credit cards and credit lines at or near their limits, trying to live without the use of these items can present a problem. Vivix Credit Solutions can help with issues pertaining to your credit.

In order to get a real sense of where you are with your credit, you should first get a copy of your credit report through Vivix Credit Solutions. This report will not only show you your score but also allow you to see where you are with your lenders. Once you have reviewed your report and accept its accuracy, you can move on to eliminating your debt. Write down your credit limits and balances on each card, credit line and any additional outstanding loans. Are your bills paid on time each month? If not, do you have enough coming in each month to pay for them if you pull in your spending? If you answered no to the latter you should probably seek professional help with Vivix Credit Solutions sooner, rather than later.

If you have added up everything that needs to be paid each month and your income isn’t enough to cover the expenses, then you have two choices. One, you can seek professional help with Vivix Credit Solutions or two, you can take on a second job and use that additional income to get your expenses on track. The second may require more of a commitment on your part, but it will also keep your credit from getting any worse if you use the additional income wisely. If you choose the first option, keep in mind that the professional help you are offered will either be to take in additional income through a second job, or to contact a debt settlement company such as Vivix Credit Solutions.

Using a debt settlement company, while it might sound easier than working two jobs, you will damage your credit further. The function of a debt settlement company like Vivix Credit Solutions is to settle your debt for less. Creditors may take their time in responding to such requests and in the meantime your payments are going 30, 60 even 90 days past due further damaging your credit. While this might be your only way out do not make this decision lightly, let Vivix Credit Solutions help you examine your options.  Get started today with a free consultation from their website online.

The better way to improve your credit score would be to spend as little as possible and cut back on your way of living long enough to improve your credit score. Learning lessons as you go along will prevent another situation where you may need to take drastic measures to improve your credit.