Why pay a credit counselor hundreds of dollars when you can raise your credit score 100 points or more on your own in just a few minutes? There are many things a credit counselor can do to give you advice on improving your rating, but in the end they just do that… give advice on how to do it yourself.

First step is to determine where you stand on the credit score scale by checking your rating online for free. (more…)

Debt begets more debt. Has there been a truer statement? This is especially true right now during a very hard economic cycle. Most people are struggling to pay their debts and it seems that when you take one step forward, you are pushed two steps back. Here are the ways that this happens (and what you can do to get out of the cycle). (more…)