Our focus at Zero Debt Project is on you to help you control debt, build your credit and get to a better, financially stable place. Good credit means that you can usually get loans easily and at the best interest rates. If you have bad credit or no credit at all right now or even if you have fairly decent credit but want to make it better, you can come to the right place. We don’t judge or lecture. We simply show the best ways to get out of debt, build your credit score, build a great credit report and have a great rapport with your lenders. We are not here to judge you or to lecture you, but rather to show you the best ways we know of to get debt under control, reduce debt, get out of debt, stay out of debt and get back on track in the most non-judgmental way we can.

Are we legal or financial experts or professionals? Definitely not, and we do not furnish legal or expert financial advice on these pages. When you need legal or financial advice, you need to consult with a qualified professional. What we are are editors, writers and researchers with one thing in common, we were all in serious debt and worked our way out of it. One editor between jobs came down with a serious illness that put her in debt for years.

Another young editor wanted to attend the best school she could get into and is still paying for the privilege. Another was hit with huge payments in a divorce. Another had a high-flying marketing company and suffered bankruptcy in the recent great recession–he is still digging his way out and in his 70s, he may be at it for the rest of his life. We all have our sad stories. Along the way we suffered the pain, humiliation, fear of large debt and low credit ratings. We understand low credit ratings and low credit scores and the impact it has on your everyday life, including your close and most valuable relationships.

On these pages what we talk about are options open to you and actions you should consider taking to reduce, then pay off your debts as you build credit. Building credit may seem like a mundane, uninteresting topic, but it is one of the most crucial tools you have to build a happy life.

Please, read on…we want to help you get out of debt, build credit and live a happy life.