How to Fix Your Credit

You're not alone. About 51 million American households carry credit card debt at an average balance of nearly $12,000. Credit trouble is a problem you can't ignore. No matter how much money you earn or where you live, if you've made mistakes with credit in the past, those mistakes will haunt you -- unless you empower yourself to fix them. And you can.Managing your credit can be a complicated issue, but the Reverend Luis Cortes Jr. provides an easy-to-follow guide to help you handle the process. Any amount of debt, no matter how scary the number, can be paid off with a little planning and a lot of determination. The sooner you begin, the easier your task will be. Let Reverend Cortes help you today before your situation becomes worse tomorrow.

The Reverend Luis Cortés Jr. is the president and CEO of Esperanza USA, the largest Hispanic faith-based community-development corporation in the country. In January 2005, he was featured as one of Time magazine's "25 Most Influential Evangelicals."