A great video from Cambridge Credit that compares debt settlement and debt management agencies:

What are payday lenders? These are insured depository institutions which provide people with short term cash advances or payday loans. There are times when emergencies and unforeseen expenses come up, and one’s monthly budget falls short. Instead of borrowing from friends and family, which can be quite embarrassing, a payday loan is a good way of getting the needed cash quickly.

To be able to borrow from established payday lenders, you only have to provide them with an authorization to debit your account for the amount of the loan plus the fee. The payday lender, in turn, supposedly collects the loan when it is due by your account for the money. The loan can be extended when you still don not have enough funds in the account to repay the loan on time, but an additional fee is charged. With this in mind, it is important to research and compare the lender fees before selecting one.

One can secure a payday loan in two ways – going directly to an establishment or making the transaction online. Both have their advantages and disadvantages. Selecting which method really depends on your lifestyle and preferences.

A credit card report is becoming progressively more important to our life. So, it is essential for you to regularly monitor your credit report. You can obtain a free annual credit card report from one of the approved credit bureaus or a third-party. A credit card statement contains information that many financial institution, mortgage lenders, insurance companies and banks use to determine your financial eligibility and learn more about your financial history. It is therefore imperative for one to know the contents of his/her report. Free online reports can be obtained at anytime in certain special circumstances.

It is vital to check credit history on a regular basis. Generally, it is advisable to obtain a credit score several months before making a financial transaction. Doing so will enable you correct any errors that might appear into your report on time, settle any credit balances and rebuild your credit score if it is not accurate. There are a number of ways you can use to obtain a free credit report: you can make an online application of your report whenever your financial applications have been denied as a result of incorrect information on your report. Once you receive a copy of our credit statement, you should correct any mistakes that might appear on the document and return the file to the credit bureaus as soon as possible.

In case you haven't seen them or you want to see them again, this video contains all the Credit Report dot Com ads.
They're very humorous and help get the message across that "You really need to check you credit card report often".