What happens when you are sued by a debt collector? While it may feel like the end of the world, it’s a pretty routine occurrence in courts across the country. Most debt collection law firms file hundreds of lawsuits a day, assuming that 99% of defendants will not answer.

Having Credit Problems is the furthest thing from fun. People who find themselves mired in those problems only want to find a way to get out and they want to get out fast.

Your credit score or FICO is very important as you are defined by this ever changing number attached to your name. It can affect your ability to get a loan, your chance of getting a job and even increase the interest rate you pay.

In an effort to help customers succeed financially, Wells Fargo (NYSE: WFC) is offering its customers their free consumer credit score and complimentary credit report through Nov. 16, 2014. For more information about this limited time promotion, visit https://www.wellsfargo.com/freecreditscore for more information.

So, you want to rebuild your credit score but you have horrible credit right now — one choice is getting approved for Capital One Rebuilder credit card which usually starts cardholders with a $300 dollar credit limit.