credit repair businesses

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Per-campus student loan programs will often make exceptions and remove negative remarks if you find the right person to talk to. A good justification for a late payment ("I never got the bill") never hurts, but remember that most excuses will not have legal merit (expect responses such as "It was your responsibility to pay, even if the bill never arrived"). Appealing to human decency and sense of campus community are vital. If lower ranking officials refuse to help, letters to higher ranking campus officials may find success.

Never give out personal information in response to telemarketers and delete all e-mails that claim to be from your bank (or other financial provider) and ask you to "log in" using a hyperlink embedded in the e-mail message. If in doubt as to the legitimacy of such requests, use a telephone to call marketers or financial providers back (rather than directly responding to the telemarketer or company that called or emailed you).