CHESSNOID

Repairing your own credit report is quite easy on paper, but it takes time and effort to get it done.  I personally have done it and it took me about 2 years of writing letters and following it up with even more letters. All you really have to invest is your time, some letters and [...]

In this economy if you have bad credit you won’t be able to get a credit card. However, you need credit cards every so often. That is when a secured credit card will come in handy. The problem is getting one that is affordable.
I saw this from bankrate and thought these 10 [...]

So the economy is in an unofficial recession and there is no credit card bailout coming from the government. This means that people who can’t pay their bills and have defaulted on the credit accounts now have bad credit. Bad credit will stay on your credit report for 7 years until the date [...]

How is it possible for credit card companies to ruin your credit rating or lower your score?  It is actually quite easy for them especially in this sensitive economic environment.  All they have to do is lower your credit limit to your outstanding balance owed at you will become 100% of your credit line.  .
I [...]