Thanks for your thoughts. One thing we've noticed is banks as well as financial institutions understand the spending routines of consumers and also understand that plenty of people max away their own credit cards around the vacations. They sensibly take advantage of this fact and then start flooding a person's inbox as well as snail-mail box having hundreds of no interest APR card offers shortly after the holiday season comes to an end. Knowing that should you be like 98 of American community, you'll hop at the opportunity to consolidate card debt and move balances towards 0 interest rate credit cards.

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Another thing I have really noticed is the fact for many people, a bad credit score is the result of circumstances beyond their control. As an example they may be really saddled by having an illness and because of this they have higher bills going to collections. Maybe it's due to a job loss or the inability to go to work. Sometimes divorce or separation can send the funds in an opposite direction. Thanks for sharing your notions on this site.

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