One way to pay off credit card debt is to use other forms of credit, such as low-interest or interest-free balance transfers to reduce the interest you’re paying. The better your creditworthiness and higher your credit score, the lower the interest rate you’ll get.

So, you should make sure there is no incorrect information on your credit report that can damage your creditworthiness.

Go to to get your free credit report. In addition, you can get one free report from the three credit reporting agencies — TransUnion, Experian and Equifax — once a year.