Repair a credit rating by repairing any inaccurate information on a credit report, lowering the debt-to-income ratio and avoiding over-extending finances. Pay debts on time and in the correct amounts to boost credit scores with tips from acertified financial consultant in this free video on credit counseling. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz

Doris

Getting a credit card with a bad credit rating is still possible by obtaining a prepaid card, which can be reloaded with cash and used like a regular credit card. Build up a better line of credit using a prepaid credit card withinformation from a registered financial consultant in this free video on personal finance. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC

Nathan

Checking a credit rating in Canada can be done by calling the toll-free numbers of each of the credit bureaus, which are Equifax, Experian and TransUnion. Call or visit each bureau’s Web site with advice from a credit repairconsultant in this free video on personal finance. Expert: Stetson Lowe Contact: stetsonlowe.typepad.com Bio: Stetson Lowe is a credit repair expert. Known as the “mortgage insider,” Lowe assists increasing credit scores for the most challenging of clients. Filmmaker: Paul Kersey

Leslie

Raise a credit rating by getting a copy of all three credit bureau reports and disputing any duplicate or bad accounts. Improve credit scores by contacting creditors and making sure all good history is listed on a credit report with tips from acertified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey

Chad