If you are actively seeking a way to eliminate your credit card debt problems by visiting CDC.net, then repairing your credit report may not be the most important item on your priority list right now.  However, when you have found yourself to be successful at taking back control of your financial life, you may want to explore fixing your credit report as this can be an important part of rebuilding our financial future. 

It is always a wise decision, after participating in any type of debt management program, to find out where you stand in terms of your credit report and the items reflected on your credit history.  There are three bureaus that report this type of information and you should request your credit reports from all three reporting agencies.  They are Equifax, Experian, and Trans Union.  That will give you a starting point so you can determine the level of credit repair work that may be ahead of you.  Depending upon the amount of credit report repair that needs to be performed, and the amount of time necessary to fix it correctly, you may decide to engage the services of a firm that specializes in fixing bad credit (credit restoration).  The choice is a personal one as everyone has different levels of skill and different amounts of free time available to handle such a project.  Do know that the process for fixing credit report items can often be a time consuming and frustrating experience. 

In the times we live in, your credit score (which determines your "credit worthiness") is extremely important.  Financial institutions extending loans for secured purchases like homes or automobiles, and other creditors extending department store, gas/oil, or regular "charge" credit cards base their decisions on your credit report.  Even employers are reviewing credit reports as they make hiring decisions.  Past credit ratings and information remain on your credit report for 5 to 7 years.