Credit can be a wonderful thing if used intelligently.
However, if misused credit can add misery and stress to a consumer's life. Used intelligently credit can be convenient when short of cash, on a trip or when making large purchases. We have included tips, tricks and information in this web site in the hopes of educating consumers on how to use credit wisely as well as how to deal with existing problems from using credit improperly. To help you navigate our web site we have added a new Search Engine for your convenience. You can now search for local agencies in your area that can help you resolve disputes and problems with your creditors and debt collectors.