Use this four-step checklist to erase what you owe, start saving and improve your credit…
Dawn Papandrea is a writer, editor and blogger specializing in personal finance, parenting, women's lifestyle, and higher education. She is a frequent contributor to CreditCards.com as well as managing editor of The CollegeBound Network. Her work has appeared in Womansday.com, Family Circle, Living on the Cheap, iVillage and more. Her favorite quote: "If you would not be forgotten as soon as you are dead, either write things worth reading, or do things worth writing," by Benjamin Franklin.
Read her CreditCardGuide blogs here.