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Articles by Michael Redbourn

• Eight Great Tips For Anyone That's Struggling To Make Their Monthly Payments
  Millions of Americans that never had problems making their monthly payments before, are now struggling with them for the first time, and they don't know what to do. They have little or no previous experience of debt problems and they don't realize that many options exist. Whether or not they have a good or a bad credit rating is very important, because their options change, but knowledge is power, so come get some now.
  Published 03Nov2009, viewed 208 times

• Stop Doing The Job That You Hate And Do Something You Love
  The vast majority of people either dislike their jobs, or they actually hate them, and they're often right to do so. They feel bored or exploited, and many jobs are just downright horrible, and it's tragic that they keep on doing them! They keep doing the job because they fear many things and much of the fear is most likely justified, but doing a job that you hate every day is not very different to spending one third of every day in prison.
  Published 29Oct2009, viewed 236 times

• If You've Been Laid Off Or Might Be, Then Start A Small Business Now
  If you've just been laid off, or have been unemployed for a while, then why not get motivated and start your own small business? Not having money is no excuse, because many small businesses can be started with the resources that you already have. You have a talent, and you most likely have the tools, and it's likely that you just need an idea and a push. So get a push and nineteen ideas right now, and start earning money, and be your own boss.
  Published 26Oct2009, viewed 243 times

• Seven Easy Steps That Will Save You Hundreds Of Dollars A Month
  A great many Americans, and perhaps even the majority of them, are wasting hundreds of dollars every month without even realizing it, when simply following seven simple steps, or even using just some of them could make the difference between getting out of debt or getting deeper into it. You will be aware of some of the things that are listed, and others not, but they're all important so check them now.
  Published 22Oct2009, viewed 276 times

• Cure Your Debt Addiction Now!
  It's widely known that tens of millions are shouldering close to $10,000 of debt and that it's breaking their backs, and the number of bankruptcies for this year just exceeded a million. It's not just people that are going bankrupt but states are too, are whereas the battle cry used to be, "California or Bust", it's now, "California is Bust", and the sad truth is that the U.S. is bankrupt too. What happened? Did Americans become addicted to debt?
  Published 04Nov2009, viewed 571 times

• Discover The Dos And Don'ts Of Negotiating With A Collection Agency
  It's quite common for people to panic when they're first contacted by a collection agency, and most debt collectors are very skilled at frightening people. The truth is that the last thing that they want to do is to go to court, and in almost every case, the longer the debtor holds out, the less he or she will pay. The collection agency paid as little as one cent on the dollar, and will settle for far less than you think.
  Published 28Oct2009, viewed 1164 times

• Learn About Debt Validation And How It Can Help You
  Hardly anyone would pay a stranger that knocked on their door, and said that he'd come to pick up a debt that was owed to somebody else, without real proof that the person had the right to the money. That proof is called Debt Validation, so if a debt collector knocks on your door, and demands that you pay him a debt, then tell him that under the law he needs to prove that you owe him the money, and must validate the debt.
  Published 09Oct2009, viewed 1060 times

• Discover The Do's And Don'ts Of Negotiating With Original Creditors
  There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too.
  Published 05Oct2009, viewed 1165 times

• Bury Your Debts Using Avalanches Of Snowballs And Snowflakes
  Many people are now using either the Snowball or Avalanches systems to reduce their debts, and some are integrating the Snowflake system too, but there are other important factors that should be taken into account too, such as whether a debt is good, neutral or toxic, and if you don't know the difference then you need to find out now.
  Published 01Oct2009, viewed 289 times

• Discover The Differences Between Debt Consolidation, Debt Management And Debt Settlement
  If you've tried different get out of debt systems, and none of them helped, then it may simply be that you owe too much money relative to your income, and that nothing is going to help much except either reducing the interest and fees, or restructuring your debts completely, meaning not just the fees and interest, but getting the lender to reduce the total amount owed, and therein lies the difference between Debt Management and Debt Settlement.
  Published 29Sep2009, viewed 626 times

• Get A Fabulous $2.99 Application That Will Show You How To Pay Off Your Debts
  Lots of people are trying to pay off their debts right now, and a great many are succeeding in reducing them, but the overriding question has to be, "Are they doing it in the most effective manner?", and the sad answer has to be, "probably not", because they were unable to compare various debt reduction systems to their specific situations. Well now they can, with a $2.99 application from Apple, which also works with Windows.
  Published 27Sep2009, viewed 499 times

• The Pros And Cons Of Paying Off Credit Cards With A Lump Sum
  A common question that many people ask who suddenly come into some cash, is if they should use it to make a deal with their creditors. Paying off their cards would save a lot of money on interest, but what many of these people are really asking is if they should use the lump sum to enter into debt settlement, which means reaching a deal with companies to pay less than they really owe. It's possible, it saves more money, but it's problematical.
  Published 25Sep2009, viewed 1164 times

• Discover How To Make Better Deals With Vendors and Creditors
  The majority of people in the west are too embarrassed to haggle over prices, and men more so than women. The bottom line is that there is nothing to be embarrassed or ashamed about, and most vendors would much rather you pay a little less and make a purchase, than see you leave empty handed. The same goes for lenders and credit card companies, who would much rather get paid a portion of what you owe than nothing at all.
  Published 06Oct2009, viewed 483 times

• Is Debt Settlement Getting A Bum Rap From Cut And Paste Journalists?
  Debt settlement is presently enjoying an unprecedented boom, due to the collapse of the US economy and to recent changes in bankruptcy rules that make filing for bankruptcy far more difficult. The debt settlement industry has gotten a lot of bad press over the last few months, but is now starting to fight back, and it attributes much of the negativity to lazy journalists who find cutting and pasting far less taxing than investigative journalism.
  Published 02Oct2009, viewed 445 times

• Get Fully Versed With Chapters, 7,11, 12, and 13
  If you were to ask most people in the U.S. if they know what bankruptcy means, then they'd answer you in a flash that of course they know, but if you were to then ask them how many kinds of bankruptcy discharges there are, then almost every one of them would suddenly look a little confused. The more knowledgeable would say that there are three, when in fact there are seven, and if you didn't know that then please read this article.
  Published 03Sep2009, viewed 407 times

• The Statue Of Limitations On Debt - For Dummies
  There is a great deal of confusion regarding the Statute of Limitations on Debt, with most people not knowing their state's time limits, or if they still owe money after the statute of limitations has passed. If you don't know when the clock starts ticking, on the Statute of Limitations or if the clock can be reset or not, or how it affects your credit rating, then read this article and find the answers to those questions, and to many others too.
  Published 31Aug2009, viewed 2531 times

• Credit Counseling, Debt Settlement & Debt Consolidation Explained
  Most people that are struggling with suffocating debt are doing so for the first time, and therefore have very little knowledge, let alone understanding of the three most commonly used methods that can reduce the interest, and even the overall sum itself. This article clearly explains the differences between, credit counseling, debt consolidation and debt settlement, and will hopefully enable people to choose the system that is right for them.
  Published 29Aug2009, viewed 846 times

• The Junk Debt Business Is A Highly Sordid One
  The whole business of buying junk debts has a grubby feel to it, because the people that buy the debts, do so knowing that in order to make big money from their purchases, that they'll have to hound people whose lives have already become wretched. Debts are sold at auctions for often as little as five cents on the dollar, because the debts would be almost impossible to collect, in ways that are open to high profile lenders.
  Published 26Aug2009, viewed 338 times

• Dealing With Debt Collectors
  Many people are now afraid to answer their phones because they half expect the call to be from a debt collector, and they don't know what to say. Most debt collectors have been trained, and they're experienced and know the law, as it relates to their profession. The majority of debtors have no training, and they don't know the law which puts them at a terrible disadvantage, so this article will attempt to correct that imbalance.
  Published 25Aug2009, viewed 639 times

• $20 Billion In Consumer Debt Is Currently Enrolled In Debt Settlement Programs!
  I knew that the debt settlement business was big, but was amazed to discover that more than $20 billion in consumer debt is currently enrolled in debt settlement programs! Just take on board what that means! Americans that are in debt have saved over $20 billion by not paying their debts, and debt settlement companies are using that cash in hand to leverage lenders to accept more than is legally owed to them.
  Published 24Aug2009, viewed 1054 times

• How Much Should Debt Settlement Companies Be Regulated?
  At a time when this administration seems to be taking over and attempting to regulate everything that moves, more and more states are preparing to pass laws that will further regulate debt settlement companies. This is a good thing however because there is presently very little regulation and even the industry's main trade groups are welcoming tighter controls, because of the damage that rogue companies are doing to the legit ones.
  Published 14Aug2009, viewed 516 times

• Would Debt Settlement Or Debt Consolidation Be Right For You?
  Many people are trying really hard to pay off their debts but they're not succeeding and it's not their fault. They doing their best but the compounding interest and the fees are too high, so no matter what they do they get deeper into debt every month. They're finally left with just three choices which are debt consolidation, debt settlement and bankruptcy, and this article explains the differences between debt consolidation and debt settlement.
  Published 04Sep2009, viewed 784 times

• You Shouldn't Feel So Secure About Your Unsecured Debt
  Many folks think that if their debts are unsecured, and they default, that they can just walk away from them. It's not true, and if the lender goes to court he'll likely get access to everything that you own, with the exception of things, such as cheap clothes, non-valuable home furnishings, and the equity in your home. If you default on an unsecured loan, you might get a part of your wages garnished, or money may be taken from your bank account.
  Published 04Aug2009, viewed 421 times

• Having Some Debt Is Fine, It's Having Too Much That's The Problem
  There is so much talk now about getting out of debt, and about how bad it is to have debts, but it's simply not true. Are you supposed to pay cash for your home or your car? Of course not. And if you move from a furnished place to an unfurnished one, are you supposed to live without furniture, a cooker and a fridge? Of course not. It's having too much debt that's the problem, but we'll look at some different ways to reduce it right now.
  Published 03Aug2009, viewed 357 times

• Shocking News About The Home Affordable Modification Program
  Many home buyers who were in danger of defaulting on their mortgages signed up for the government's Home Affordable Modification Program, in order to lower their mortgage payments. What they didn't know was that signing up would cause a huge drop in their credit scores and I'm talking about over 100 points. Such a big drop means a reduction in credit card limits, and some people are reporting $15,000 limits being cut to as little as $500.
  Published 01Aug2009, viewed 1206 times

• How-To Use Your Savings To Pay Off Debts
  The most common financial question that's plastered just about everywhere right now is, "Should I use my savings to pay off debts?". There is no one size fits all answer, but there are definitely guide lines that can be given and that's what you'll find here. You should only use a part of your savings to pay off debts, and this article explains which debts to pay off, and how much money you should keep in your savings account.
  Published 29Jul2009, viewed 288 times

• Fasten Your Seat Belts Because Your Minimum Payments Might Soon Double!
  Credit card companies are rushing to raise their interest rates and fees before new laws are enacted that will severely restrict their actions. Their slashing limits too and some people have already seen their monthly payments double, and if you haven't then you're lucky but it's highly likely that you're going to suffer the same fate soon.
  Published 28Jul2009, viewed 1264 times

• Debt Settlement Might Be Right For You But It Probably Isn't
  It seems that more questions than answers exist when it comes to debt settlement. Does it work of doesn't it, and how much can I save etc. It can work, but it most likely isn't for you and this article clearly explains the stress that it involves when attempting it alone, and the dangers that exist when hiring a third party to do the work for you.
  Published 24Jul2009, viewed 389 times

• Are Credit Report Errors Costing You Money?
  If more people understood that errors on their credit reports were possibly costing them tens of thousands of dollars, then they'd probably check them on a regular basis, but they don't. Around 79% of credit reports contain errors. 25% percent of credit reports contain errors that are serious enough to cause automatic denial of credit, unfavorable loan rates, and in some cases even a job. But after you correct them, there's more to do!
  Published 06Aug2009, viewed 377 times

• Find Out Why Your Income Doesn't Affect Your Credit Score
  Most people seem to believe that if only they had a bigger income that they'd have a higher credit score, and that all would be well with the world. Perhaps surprisingly, the two things aren't even connected however, and what matters, is your debt to income ratio, and a high income with a lot of debt is no better than a small income with hardly any debts.
  Published 05Aug2009, viewed 894 times

• Three Popular Techniques For Paying Off Debts
  Many people in the U.S. are now trying to crawl out from underneath stifling debt, but they're not doing it in a systematic way. They mean well, but they are wasting thousands of their dollars by not paying off their debts in a proven way. Some methods are obviously better than others and you can read about their weaknesses and strengths here.
  Published 04Jul2009, viewed 474 times

• Six Tips To Help You Recognize A Bad Credit Loan Scam
  The present financial crisis has spawned a very ugly growth industry called Bad Credit Loan Scams. It's a particularly horrible phenomenon because crooks are preying on those that are most in need of help, and often putting a final nail in a family's financial coffin. It's not hard to spot the scam artists, if you know what to look for, and this article provides six tip-offs to rip-offs, and tells you what to do if you encounter a scam.
  Published 27Jun2009, viewed 567 times

• Six Tips That Will Improve Your Debt Settlement Technique
  Most people that have problems paying their debts are more than capable of carrying out their own negotiations with lenders, but their mind set and false perceptions let them down. This article explains how to prepare for the negotiations, and offers advice on what to say, and what not to say.
  Published 26Jun2009, viewed 493 times

• Discover How Credit Agencies Compute Their Credit Scores
  Everybody wants to have a better credit score, and although lots has been written on the subject, very little has been said about the obvious way to get one. In order to know how to raise your credit score, you need to know how the credit agencies compute them. They all use almost identical systems and they're not overly complicated, and this article explains them clearly and simply.
  Published 23Jun2009, viewed 360 times

• Get Out Of Debt The Professional Way
  Around 63 percent of people that are trying to get out of debt, have no idea how to do it, and they are definitely not doing it in a systematic way. Several ways work, and which way is best depends on the individual and on his circumstances. This articles describe three different ways and all of them work!
  Published 08Jul2009, viewed 371 times

• How The Truth In Lending Act Can Stop Your Foreclosure
  Most people know that the Truth In Lending Act gives buyers a three day cooling off period during which time they can change their mind if they don't like something in the contract. What few people don't know however, is that there is an extended Right of Rescission clause that not only prevents foreclosure, but also requires the lender to return all monies to the borrower within thirty days.
  Published 06Jul2009, viewed 605 times

• How To Retire Debt Free With A Nice Nest Egg Too
  A growing number of Americans are retiring with a huge amount of debt. They still have years to pay on their mortgages, home equity lines of credit, large monthly credit card bills and even auto loans. Whereas many Americans have become more frugal because of the ongoing recession, the majority of baby boomers are behaving as if retirement will never come. This article offers four tips that could help them retire debt free, and with a nest egg.
  Published 06Jul2009, viewed 434 times

• Should You Pay Off Your Credit Cards With A Personal Loan?
  Most Americans have lots of credit cards, with varying interest rates, and right now, many are asking themselves if they'll be able to keep up with the payments. The question arises, as to whether or not it would be fiscally sounder to take out a personal loan, in order to pay off all the credit cards. The answer to the question is neither difficult nor easy, but a little knowledge is definitely required in order to make the right choice.
  Published 04Jul2009, viewed 513 times

• Discover Why Debt Settlement Is Probably Not The Way To Go
  Americans now face a daily barrage of ads from debt settlement companies, and more and more people are succumbing to the enticing promise of having their debts cut in half. There are of course many legitimate companies, but most are probably not, and they all charge a great deal of money. Many creditors are now refusing to deal with these companies, and are offering to reduce interest, and to cut fees for customers that contact them personally.
  Published 29May2009, viewed 411 times

• Seven Simple Steps That Will Quickly Improve Your Credit Score.
  It's unlikely that people who want to raise their credit score will want to pay somebody to do it, and if they were experts on credit then they wouldn't be looking for articles about credit repair. So this article is therefore intended for those who want a simple and cheap method of improving their credit rating, and if the seven steps are faithfully followed they, should see a 200 point improvement in a poor FICO score within nine months.
  Published 29May2009, viewed 528 times

• Understanding Fico Scores Will Help You Fix Your Credit Rating
  The growing feeling that the present economic crisis might actually end within a few months is causing many people to think that they should start repairing their credit scores, and they want to know how to do it. Well you can pay to find out or you can learn how to do it yourself. To do it yourself however, you need to know about FICO scores and this articles explains the credit rating process and how to improve a rating.
  Published 28May2009, viewed 902 times

• Help With Debt Reduction That's Not Just Waffle
  With so many people wanting to get out of debt right now, you'd expect there to be lots of great articles around telling people how to pay them off. Well there are lots of articles of course, but the advice in them is so bland and generalized that's it's almost totally useless. This article provides actual steps to take, and will hopefully really be of help to people in trouble, that really are determined to get free from debt.
  Published 25May2009, viewed 411 times

• Learn about Debt Consolidation, Debt Management And IVA
  With the exception of bankruptcy, there are basically just three ways to get out of debt. Debt Consolidation, Debt Management and an IVA, and which one a person should choose, will depend on how deep he is in debt, and on how capable his is of making his regular payments. Many people simply need to organize debt that is manageable; some will need restructure their debt, and the last group will need to agree to an Individual Voluntary Arrangement.
  Published 24May2009, viewed 413 times

• How To Get The Best Deal On A Bad-Credit, Unsecured-Loan
  Due to the fierce online competition between lenders, many people with bad credit are now getting unsecured loans. Moreover, many applicants for bad-credit, unsecured-loans, are now getting several offers from online lenders the same day, and this means that they can now pit one bank against another, and end up with a far better deal than the best one that was originally offered.
  Published 06Jun2009, viewed 453 times

• Discover The Advantages Of Online Auto Loans
  Many people with bad and poor credit worry needlessly about getting an auto loan, because it's relatively easy to get one. Getting the loan is in fact the easy part, and getting the best deal is the difficult part, because the deals vary enormously. Right now, shopping online is the best way to go because the competition is cutthroat, the quotes are almost without exception free, there's no commitment, and they arrive within 24 hours.
  Published 04Jun2009, viewed 397 times

• The Basics Of Bankruptcy When Faced With Foreclosure
  Many people who are facing foreclosure are also faced with bankruptcy, and they're unsure about whether they should choose Chapter 7 or Chapter 13, but the choice should almost always be Chapter 13 if the person has any form of income. The question of how to sell their home is also of prime importance, and whether to choose a Realtor or an investor can be a really difficult decision for the uninformed.
  Published 02Jun2009, viewed 366 times

• Learn About Loans - Before Applying For One!
  It's easy to think that all loans are equal, except for maybe the interest rate, but that's far from the truth. Loans can easily be broken down into secured and unsecured ones, but there's much more you should know before applying for one. There are personal loans, home loans, and loans for various purchases such as an automobile, plus fees, commissions and interest rates, and things like the duration of the loan that are also important.
  Published 03May2009, viewed 422 times

• An Innovative Way To Pay Less Interest On Your Credit Cards
  Credit card companies constantly added to their profits by adding all kinds additional charges, such as late fees, pre-payment fees and over-the-limit fees, and they seemingly didn't realize that they'd kill the goose that was laying the golden eggs. They have finally realized however, but their slowness of understanding has led to many borrowers being offered incredible deals that release them from between 20 and 70% of their credit card debt.
  Published 30Apr2009, viewed 393 times

• Invaluable Information About Unsecured Loans
  Due to the current financial crisis, more and more people with bad credit scores are taking out unsecured loans, even though they cost more than secured ones, and people with collateral are applying for them too. They're using the loans to pay for their education, repairs and debt consolidation etc. and a real upside is that by paying them back on time, they're also improving their credit ratings.
  Published 29Apr2009, viewed 490 times

• Step By Step System To End Credit Card Debt
  Due to the ongoing financial crisis, a growing number of people want to get out of debt, and the thing that they most want to get free of is credit card debt. This can be done, and although it takes some knowledge, little work and a lot of discipline, the results are more than a little rewarding. Reducing the number of cards, keeping only the ones with the lowest interest rates, plus making higher than requested monthly payments are key elements.
  Published 25Apr2009, viewed 480 times

• Incredible Advice - Don't Cut Up Your Credit Cards!
  The latest advice from financial experts is almost a complete reversal of what they recommended for decades. Instead of paying off our credit cards and then destroying them, they're now advising that we not only don't destroy them, but that we keep making regular monthly payments on them. Credit card companies have recently raised interest rates and lowered limits, and they're cancelling many cards that don't have outstanding balances on them!
  Published 25Apr2009, viewed 422 times

• Critical Advice For Anyone Needing A Fast Cash Loan
  It's 100% true that 'fast cash loans' are expensive, but it's equally true that many people have no choice but to request one at some time or another. What is not well known however is that by following a few simple rules, that you can save yourself a whole lot of money. When should you apply? When should you repay the loan? How much should you ask for? The answers to these questions and many others will save you a lot of money!
  Published 06May2009, viewed 427 times

• Step By Step Way To Professionally Repairing Your Credit Rating
  It would be lovely to hire a professional to raise your credit score for you, but if your credit rating needs fixing then it's unlikely that you have the money to pay somebody to do the job. Fortunately it's not too difficult to raise a poor credit rating by around 150 points in just a few months and the cost involved is negligible. Knowledge is power, and knowing how to use the credit system like a pro will quickly set you free.
  Published 06May2009, viewed 437 times

• A Proven Way To Improve Your Credit Report
  Even people with good credit ratings are now failing to get loan approvals, because the qualifying bar has been raised and because they have erroneous information on their credit reports. Just getting any kind of free credit report online and then simply glancing through it won't help your credit rating at all, and although knowing what kind of report to get is important, knowing what to look for and what to get removed is essential.
  Published 04May2009, viewed 427 times

• The Positives And Negatives Of 'Instant Loans'.
  As more and more people have worse and worse credit, more and more online lenders are giving loans to people that they wouldnt have looked twice at just a few months ago. The so called 'Payday' and 'Instant' loans are becoming more and more popular, and they can get people out of jams and also help their credit ratings. The downside is however, that if you don't pay them back on time, then the interest is high and your credit gets even worse.
  Published 01Apr2009, viewed 731 times

• Loss Of Household Wealth In Last Five Quarters Almost Equal To Size Of U.S. Economy
  Latest figures from the Federal Reserve and the Commerce Department show that household worth is falling fast, whilst the unemployment rate is rising fast. America's overall wealth declined by the largest amount since 1952 and U.S. government borrowing rose by 37%. Consumer spending showed the biggest drop in thirty years and Americans are trying to save more and to reduce debts, which many economists fear could be the worst thing of all!
  Published 14Apr2009, viewed 449 times

• U.S. Unemployment Expected To Reach 9.4% In 2009
  The U.S. economy lost 4.4 million jobs since the recession began in December 2007, and employers recently cut 651,000 workers from payrolls, making the unemployment rate in February the highest since 1983. A recent survey suggests that unemployment in the U.S. will reach 9.4% in 2009, and most experts are predicting that the number of unemployed will continue to grow until 2011.
  Published 11Apr2009, viewed 400 times

• Paying Off Debts Will Improve Your Credit Rating
  If you're determined to improve your credit rating then you can do it by using step-by-step methods. Some of the steps involve getting a copy of your credit rating that includes your credit score, and correcting it if it contains errors. Then reducing debt and eventually paying of old debts becomes important, and when you can get old accounts reactivated you'll start to see the light at the end of the tunnel.
  Published 11Apr2009, viewed 533 times

• As Interest Rates Fall - The Barriers Rise
  Mortgage rates continue to fall and the government has pumped huge amounts of money into the financial system in an attempt to ease the housing crisis, but the amount of mortgage applications that actually closed in the first half of 2008 fell by 59 percent. The reason why people aren't qualifying, is that the FICO scoring system has changed and it is now far harder to qualify for a loan than it was just a few months ago.
  Published 06Apr2009, viewed 407 times

• Avoid A Secured Loan If You're Likely To Default!
  Right now, more and more people are looking for loans and many of them have terrible credit and no collateral and must therefore take out unsecured loans. There are of course, still lots of people that can tender some form of collateral such as a home or an automobile, but because of the the present crisis it might still be better for them to take out an unsecured loan as well.
  Published 05Apr2009, viewed 476 times

• Reduce Your Debts And Then Get Free From Them Completely!
  Right now the average American household is carrying over $9,000 in credit card debt and they owe lots of other money too, and probably every person in every household would love to lower their debts, or to get rid of them completely.
  Published 04Apr2009, viewed 434 times

• Get a list of banks that will lend you money!
  Not long ago in America, having a good credit rating was really essential, but whereas it's still nice to have one it's not nearly as important as it once was because the present financial crisis changed all that. Having a bad credit score no longer means that you can't get a loan or a credit card because there are now lots of loan sources on the Internet that will readily lend to individuals with a low (FICO) credit score.
  Published 03Apr2009, viewed 2035 times

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