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Managing Credit and Debt

Do you know how to manage your credit and debt properly?  Try this crossword puzzle.
Horizontales
One of the three credit monitoring agencies
A process to put all debt into one and negotiate for better payment terms
The charge for the privilege of borrowing money typically expressed as annual percent rate
A strategy to temporary defer interest payment on outstanding balance
A term to take a temporary reprieve on payment
Verticales
Someone who helps you figure out your budget, advise you on debt and credit usage and negotiate with creditors
A card issued by a financial company giving the holder an option to borrow funds at point of sale
A process to lower the payment in order to increase affordability
A statistically derived numeric expression of a person's creditworthiness that is used by the lends to access the likelihood that a person will repay his or her debts
A process where all outstanding debt will be forgiven
A debt that is not collectible and therefore worthless to the creditor
Paying only this will delay principal payoff and accumulate a lot of unnecessary interest