Did you know... Up to 60% of people who check their free credit report find errors. There are 3 Credit Bureaus (Trans Union, Equifax and Experian) that collect information from major creditors. You are entitled to fair debt collection practices even if you have fallen behind on payments. Individual financial counseling and education can help you conquer your debt quickly. CareOne Credit CounselingSM Online Debt Consolidation CareOne leads the credit counseling industry in helping people get out of debt the smart way. Get Online Debt Relief Now Enrolling with CareOne Credit Counseling will not only help you pay less but will also teach you how to avoid future financial problems. Lower monthly payments up to 57% Reduce interest charges Consolidate your debts into one easy payment Simplify your life - worry less about money All 3 Credit Scores — one from each of the 3 credit bureaus 3-in-1 Credit Report — each bureaus information combined into one report 3-in-1 Credit Monitoring — alerts of activity to any of your files Delivered to you online quickly and securely

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