Well, I considered myself debt free as of the moment because I can't tell if in the future I might be needing something really really important to consider having a credit. We know the fact that there are lots of people around the world who are suffering from debts and some do badly need a Debt help. Are you one of those people? If so, Bills IQ is one site that could help you lower your debts or simply be free from it. How? They have Debt consolidation tips and resources so that you can evaluate your options and get the solution that is right for your specific situation so that you can save fast.
Other people need more serious kinds of help and BillsIQ offers Credit counseling too which can help you manage your credits and debt free. The good news is that many people are able to get out of debt with self help methods. And you can get help with BillsIQ and be Debt relief from your Credit card debt. It might not be the better way to solve your financial credit but it could be lessen through their tips and methods that you could apply. So, If you think you're not financially fit, start taking the Bills IQ test now and see how will you score. As for me I got an 85% grade, not bad, I think.