How to Get Out of Debt Get an “A” Credit Rating for Free by Harrine Freeman

13 Mar
How to Get Out of Debt
Get an “A” Credit Rating for Free
by Harrine Freeman


Do you want to stop living paycheck to paycheck, stop harassing creditor calls, get out of debt or increase your credit score? Do you have a financial advisor or financial coach? Well now, you can be your own financial advisor. The fastest way to your financial success is getting advice from someone who has experienced the same financial issues you are going through – losing a job, considering filing for bankruptcy, working two jobs, bad credit, debt, repossession, and more.

I was once $19,000 in debt only making $21,000 a year and was successfully able to get myself out of debt without filing for bankruptcy. Each day you procrastinate is one more day you go deeper into debt and one more day closer to legal action being taken against you.

My book, How to Get Out of Debt: Get an “A” Credit Rating for Free will give you new insight, a plan for managing your finances and provide clarity on how to improve your financial situation. Credit affects several aspects of your life and is used for employment so it is critical that you maintain good credit. Credit should be used as a secondary not a primary form of payment.

You will learn how to repair your credit for free and get out of debt without filing for bankruptcy or going to a credit counseling agency. The book includes: strategies to increase your credit score, methods to get out of debt, practical ways to manage your money, sample letters to fix errors on your credit report, sample letters to negotiate with creditors, financial worksheets, financial tools and much more!

Book Reviews for How to Get Out of Debt

“Like many Americans, Harrine Freeman, has been through credit difficulties. But not only has she turned her situation around, she has gone on to help others do the same with her straightforward guide to better credit, How to Get Out of Debt: Get an “A” Credit Rating For Free. Her book is here at a time when so many people need this kind of help.”
–Gerri Detweiler, consumer advocate and author of The Ultimate Credit Handbook

“How to Get Out of Debt: Get an “A” Credit Rating For Free by Harrine Freeman is full of practical advice on where to file complaints, sample letters, spending plan spreadsheets, statute of limitations time periods, and much more. For the past five years, Ms. Freeman has been the CEO of a credit repair and money management company, so she knows what she is talking about”.
– Alan Caruba, Editor,

“This is a must read…that will empower readers to reevaluate their spending habits and become focused on securing their financial future”.
— Books2Mention Magazine

“When I first opened it, I sighed, wondering how it could be any different from the advertisements that come on after hours, promising all the information in the world for just $19.95, and offering you no more than what you already knew and never implemented. As you can tell from the review, I have struggled from undergraduate debt; I know this merry go round well. Three hours later, I had devoured Ms. Freeman’s guide, tucking it on my shelf of “very necessary day-to-day living” reading. No doubt, folks, this one is a keeper”.
— Read Zone Book Reviewers

I have read several books on this subject, and this is the first one that actually offers a reasonable and achievable solution. Harrine Freeman talks about the ‘grand scheme’ but actually uses small and attainable goals. Essentially you can ‘Nickel and dime’ your way out of debt.
— Simon Barrett, Author Blogger News Network

Chapter Excerpt: How to Get Out of Debt: Get an “A” Credit Rating for Free Revised

The country experienced another financial crisis in October 2013 – the government shutdown which lasted for 2 ½ weeks causing approximately 800,000 employees to be furloughed. The shutdown also affected small business owners, contractors, consultants, social service companies or nonprofits that receive federal funding, social service programs, and state governments.

We can no longer depend on the government for assistance. As individuals we must take accountability for our actions. We spend the most money per person/family than all the others countries in the world. We have become so obsessed with things and using credit that we have become addicted to shopping. No one would ever admit to it but we have.

What happened to the days when you only purchased items that you could afford? These are the things our parents and grand-parents are familiar with. If you wanted to buy a home you had to save your money for a down payment and have a really good credit score otherwise you would be quickly escorted out the doors of the bank for wasting their time.

Money can make people do crazy things. A major factor of the mortgage industry failure was due to greed. I would like to ask Wall Street and the mortgage and banking industry professionals, was it worth it, was the greed and fraud used to make millions of dollars’ worth it. No, it was not. The saying “an honest day’s work for an honest pay” no longer applies to America. Other countries now look down on us and laugh. Our country is the butt of many jokes.

It is disappointing that a catastrophic event like the recession and government shutdown had to occur to bring the country back to reality. Unfortunately, some Americans are still in denial about their financial situation and are holding on for dear life to their “things”. If you own a home, car, boat or investment property and can’t bear the thought of losing it because you can’t afford to make the payments. Stop, take a deep breath and just let it go – let go and rid yourself of the stress, headache, heartache, worry and anxiety of trying to figure out how to make the payments or catch up on payments you have missed. Losing “things” should not make you feel sad, depressed or angry. Losing “things” should teach you a valuable lesson – things have no value, but your life does so live your life to the fullest.

Do things that have value such as community service, spending time with you family, getting an education, learning a new skill or hobby, starting a business that provides a desperately needed service, and focusing on what’s really important – knowing yourself and loving yourself. No matter what method you choose to change your lifestyle and spending habits you must make a permanent lifestyle change.

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© 2015 All rights reserved. Book excerpt reprinted by permission of the author, Harrine Freeman. Do not reproduce, copy or use without the author’s written permission. This excerpt is used for promotional purposes only.

Purchase How to Get Out of Debt: Get an a Credit Rating for Free Using the System I’ve Used Successfully With Thousands of Clients:
Meet the Author
Harrine Freeman
is an authority on personal finance. She is a financial counselor, CEO of H.E. Freeman Enterprises and Author of “How to Get out of Debt: Get An “A” Credit Rating for Free,” a self-help book that provides a step-by-step plan on how to get out of debt, increase credit scores and plan for the future.

She has impacted the lives of thousands through speaking engagements and counseling. She helps client’s prepare for financial freedom, by providing useful advice to steer clients in the right direction. 

She is a member of Credit Professionals International, American Association of Daily Money Managers, American Association of Individual Investors and National Speakers Association.

Harrine has been featured in: Featured in Market Watch, Wall Street Journal, Forbes,The Washington Post, NASDAQ, Huffington Post, MSN Money, Black Enterprise, Essence Magazine, Ebony, Woman’s Day magazines.


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