Bad Credit Blog

Everyone knows it is very easy to get credit cards and into debt and why should you be any different than anyone else?

Everyone buys on credit! In fact if you survey most high school students you will find that they can hardly wait to turn 18 so they can get their first credit card. Then the real party begins!

So to help you along we’ve put together these handy steps so that you too can be broke by 25 - or before!

1. Before you can qualify for a credit card you will need a job. I know that’s a bummer but that’s the way it goes. Give a little get a lot (of credit) that is. So head out to your local fast food restaurant and get your application in!
2. Credit card applications arrive in the mail whether you solicit them or not. Pick one and fill it out and you are on your way! When they ask about income, fudge a little to make it easier. (Hey, everyone does, don’t they?)
3. Start buying all the toys and gadgets you have always wanted using your credit card (why pay cash when you can pay $20 a month for a new Wii?). But don’t max out your first credit card right away. If you do it will make it harder to get additional cards. Make extremely small payments on time so they don’t catch on that you want to apply for more and more and more credit.
4. Apply for additional credit cards (didn’t we just say that?) In fact get as many as you can! You can always transfer those balances to other cards while you learn to juggle.
5. In about six months you will have arrived! Make sure you have the yellow pages handy to look up a good bankruptcy lawyer. Hint: the bigger the ad, the better the lawyer (I think). Have fun!

Would you like to avoid bankruptcy?

If you’re tired to drowning in debt and need help NOW then read more on our site and find out how you can get out of debt, raise your credit score, and get the interest rates you DESERVE, instead of what you’re just darn lucky to get at all!

For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!

If you know someone struggling to quit smoking we found a great site that offers genuine  help. You can Quit!!

Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.

By Dewey Kearney

A good friend of mine, Tom, knowing that we had a website for people with bad credit, called and told me that he had made some bad investments and wanted my help. Now, I’m no investment counselor or stockbroker so at first glance I wasn’t sure I was going to be able to help him.

The obvious question was what kind of help was he looking for? He replied that he wasn’t exactly sure but after some probing I found that he was looking for a genie in a bottle. You know, someone who by blinking, twitching their nose or some other unexplained trick could make his problems disappear. I’m afraid that is the stuff of the movies, not real life.

On further digging I found that my friend had used very poor judgment. Someone had told him of a good investment that just “couldn’t miss” and he had fallen for it. This “investment” was in a start up company with a new product that was supposed to double your gas mileage. Who wouldn’t be interested, he said?

The problem was he didn’t have the liquid assets for the investments so he had taken cash advances on his credit cards to fund this. See what I mean when I said he used poor judgment? Once I realized the true problem was overwhelming credit card debt and high interest rates I knew I could help him. Whew! I was sure he was going to ask me for investment advice!

I recommended that he talk to a credit counseling service from our site to get the payments to a manageable size. These people are Pro’s! “What about the negative impact on my credit,” he asked? My response? “Your credit is already damaged since you maxed your credit cards and made several late payment for this so-called “investment.” Get those payments down and start making them ON TIME and your credit score will rebound.”

I explained to him that credit counselors are non-profit organizations whose only interest was in helping the client, not damaging them further. I suggested that he go to our website page and contact a credit counselor ASAP.

If you are in the same boat as my friend Tom, may I suggest the same thing to you? What have you got to lose by working with a professional who can negotiate a fixed payoff of those high interest credit cards you’re struggling to pay off? It won’t happen overnight but it will happen – and the sooner you get started the better!

Still not sure if credit counseling is the right course? Click here for an online questionnaire to see if it’s right for you. No obligation, no filling out an email or phone number first! Free from use to you!

For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!

If you know someone struggling to quit smoking we found a great site that offers genuine  help. You can Quit!!

Here is a great site for some wonderful Christian articles, short stories, plays, family stories, Bible studies etc. Check it out.