Have you ever heard of the old saying, "An ounce of prevention is worth a pound of cure." Before you go surfing the Internet for any kind of credit site to help you out, don't get over your head in any kind of debt to begin with. It's better to understand your credit rights, and debt obligations under the law, before you turn 18, and start using credit. If you've already passed that age, it's never too late to learn more about credit. If you read my, Wagen Load Production's, series on understanding credit, it will help you avoid trouble in the years ahead. See #1 in the series at http://www.xomba.com/how_to_receive_credit_understand_credit_laws