Getting Started E veryone has some degree of debt, whether it's a mortgage or credit cards. But you don't have to stay in debt forever. Determine how much debt you have. Not all debt is bad.
Most people have some debt, such as a mortgage or student loans.
But too much debt will hurt you when you want to buy a house, a car or even apply for a credit card. Clean up your credit report. Check it for errors. A series of problems could hurt you, so you want your credit record to look as clean as possible. Consolidate credit cards and other loans.