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Credit-card overuse, late bill payment or identity theft can contribute to a serious credit history problem.

How can a person rein in credit spending and re-establish a good credit history? The Internet might be a good place to start.

A number of sites offer insights on how to cope with credit issues and credit repair. Here are a few Web destinations:

Credit Repair 101: Provides an overview of the credit repair process.

Better Business Bureau: Discusses how to manage credit obligations and take charge of your finances.

Federal Trade Commission: Offers information about your legal rights, do-it-yourself credit repair, and finding a legitimate credit counselor.

Financial Planning Association: Covers credit repair basics, credit management and credit-card insights.

Nolo: Spotlights how you can perform credit repair