Countless Americans have credit score reports that show a less-than-optimal credit rating. If you fall under this group, you’ll soon locate that the cost of a bad credit rating could permeate deeply into your life. You may not have the ability to

The term "debt consolidation" is being used and abused by many banks and mortgage brokers in order to sell you a high-interest 2nd mortgage or to refinance your home. Remember, going further into debt does not get you the financial freedom you need.