Are you currently in debt due to credit cards? I know many people will get a credit card and max it out and then refuse to make the payments. This can hurt your credit. When you don’t pay your bills on time they report you to the credit agencies and this could affect you in the future when you want a new house, car, etc. If you have some lines of credit just hanging out there somewhere you should consider debt consolidation. All of your bills will be combined into one low monthly payment. There are special programs for people who live in other states with Credit card debt such as New Jersey Credit card debt consolidation and Colorado credit card debt.