Let us help you put less money into the giant corporate world`s pocket. Let us educate you on how to have more credit so you pay less interest.

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You’ve seen the ads: credit counseling companies say they can help by getting your payments and interest rates lowered. Others claim they can get your debts wiped out entirely by settling them for pennies on the dollar. Money reporter Stacy Johnson takes an inside look at these companies.

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The 3 best credit cards in America.

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