The Jones family would like to buy a home, but they have a large amount of debt that has led to a weak credit score. What step could the Jones family take to improve their credit?

A financial adviser can help the Jones family make a realistic plan to repay their debts and manage their money. Paying down debt and making payments on time can improve their credit over time. Declaring bankruptcy can seriously damage credit, and asking for deferred loan payments does not itself resolve the debt. The best choice is hiring a financial adviser to figure out how to pay off their debt.

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