Where can I find reputable credit advice?

Many cities have free credit counseling available. A good credit counselor will help you to develop a budget and help you determine a plan to pay off your debts. Paying more than the minimum will help you pay off the account quicker and you will pay less in interest. Here is a link to a non profit agency that helps with debt counseling: http://www.incharge.org/campaign/july2010/credit-card-debt.aspx?vdn=8297&gclid=CIvOquuS9akCFcPs7QoduRXGag