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Take CHARGE of your credit with basic and easy-to-understand steps. Your credit is a crucial part of your financial stability and lifestyle. Some employers even require a credit check as part of the application process. Poor credit history can disqualify you from certain positions for employment, lead to denial of an apartment lease application, or force you to pay higher interest rates on loans. Unfortunately, it's easy to damage your credit and credit score. Missing a loan payment can have serious consequences. However, if your credit score has taken a hit, you're not alone. Millions of people have been in the same situation. This guide is designed to help you develop discipline and ideas to change your behavior. Charlise, a former debt collector, shares her knowledge to empower you to take charge of your credit. She provides insight from a debt collector's perspective, personal experience, laws on debt, and the necessary steps to help you take charge of your credit.