You’ve been bombarded with credit card offers of all types since you became an adult, so it’s no surprise that you’re now thousands of dollars in debt. This massive debt, combined with the occasional missed payment, has caused your credit score to sink so low that it’s considered poor. With a poor credit score, you’re bound to have issues with getting car loans, mortgages and other loans you may need. With some smart debt management, it’s pretty easy to get rid of your poor credit. You might have seen all the commercials on TV advertising companies that claim to get rid of your debt right away. This is a huge lie, as getting rid of debt is not an overnight process. Rather, it takes time, and the use of a debt management plan, in order to eliminate debt and raise credit scores. Most people aren’t aware of their total debt, surprisingly. If you’re clueless in this regard, it’s time to take a little time to figure it out. Take out all those credit card statements and add up the balances. While you’re doing this, write down all of your interest rates and the minimum required payments. You’ll use this information when creating your debt management plan. Reduce credit card debt