If you’ve found yourself bogged down by credit card debt or irritated with making multiple credit card payments multiple times a month, then a credit card consolidation loan may seem really appealing. Especially the type that are sent to you directly from your credit card company. However, as with anything in life there are pros […]

For many Americans, January is the most dreaded month for receiving credit card statements. If you have made the unfortunate mistake of giving your credit cards an extreme workout over the Holiday Season, you are about to start feeling the consequences of your spending actions. Early in December, thirty-eight percent of all consumers said they […]

Everyone knows that credit score affects one’s ability to purchase a home. Higher credit scores mean lower mortgage interest rates. Many consumers have low credit scores as a result of unpaid medical expenses. These derogatory entries on a consumer’s credit report can affect a credit report, undesirably, by 100 points or more.   The current FICO model fails […]