The only thing you legally need to supply the credit bureaus for a copy of
your report is your name, your social security number and a legal mailing
address (P.O. Box is a legal address). If you don't want to chance harassment by
creditors at this time, it may benefit you to acquire a P.O. Box. Did you know
that many of the collection agencies are owned by the credit bureaus?
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How to avoid the pitfalls of creeping debt.
Reducing debt usually isn't a high priority for people until they have already gotten into trouble with overspending. Using a few basic guidelines, and debt calculations, can help you see when your debt load is getting into the danger zone.
