Welcome!

Comments off

Welcome to Credit Solutions Info! We are glad that you have stopped by to visit our site. We hope to provide you with information that you need and can use to resolve your credit issues. From what options are available to you currently to what the road ahead may hold in store for you, we strive to find that information and pass it on to you so that you can make well educated and informed decisions about your credit history and future.

Credit Crunch!
Creative Commons License photo credit: Pushek

Everywhere you look today it appears that no one is safe from issues related to credit. From the small town folks who have needed or been forced to rely on credit, especially credit cards,  just to make ends meet to the big town bank executives who overextended credit lines and to the Wall Street big shots who repackaged and repackaged debt into an investment vehicle causing the fallout in our economy, no one is safe in these times from credit issues. It is no longer just poor money management that is to blame for the credit crisis we see and is plaguing not just our country but now the world markets. Sure, a lot of these issues could have been avoided if we all had used better financial sense and not over extended ourselves, and financial responsibility and fiscal constraint are two of the key ingredients which will lead us as individuals out of this current mess. Of course, this is only true if we take the hard road and work our way out. I’m reminded of the old adage “If you continue to do what you have always done, you will continue to get what you have always gotten”. Not exactly perfect English, but the point is valid. Without doing something different we will never get different results. One of my favorite definitions of insanity goes like this “doing the same thing over and over again, then expecting different results”. Without some changes, nothing will change and we will all be back here again and again.

But, you know this already. That is why you are actively “doing” something. You are trying to find a solution to the issue you either see coming or to the issue you are now experiencing. Either way, no matter what your predicament, we will try to find info to fit your needs. Because, even the most valuable information in the world is useless without a way to apply it. We hope to give you both in the future upcoming posts.

So check back often as we attempt to continually update and improve your information portal.

Credit Card Debt Solutions


Are there credit card debt solutions out there? So many of us blame the credit card companies for what are really personal spending issues. Of course, the credit card companies are to blame as well. I mean, lending with a 21% interest rate to folks who can’t afford a 10% interest rate, that is borderline unconscionable in my opinion. But however crooked or at least unfair these companies are it doesn’t release us from our financial obligations. We DID sign for the card, and we did use it to purchase what ever it was we needed. And now we are the ones looking for credit card debt solutions. I know I’ve been there before. At least twice, in my short life I’ve defaulted on overwhelming debt and run from the phone calls of creditors who would like to grill me about what I was going to do to pay them their money. I can tell you from personal experience, it’s just not worth it to run from the problem. Here are some credit solutions you can use to get started:

1. Stop using your currently active credit cards and racking up more debt. If you can’t stop adding to the debt mountain then you will never be able to get out from under it.

2. Get some credit counseling. Another one of the credit card debt solutions is to obtain some  credit counseling. Most states provide free credit counseling to assist the people in their state out of the debt trap. I have a good friend who is a credit counselor in Arkansas, and he always tells me stories about how if these people had just come to him sooner they wouldn’t have lost everything that they did by ignoring the issue or trying to deal with it on their own.

3. Make a plan and stick to it. Once you have gotten some insight from the professionals in the field make a plan based on their recommendations. In fact most of the time they are more than willing to assist you in creating a plan as well as talking to the credit card companies for you or at least with you.

4. Take advantage of all opportunities you see. One of the best credit card debt solutions is not to discount a possible opportunity. Sometimes, it can be embarrassing to let other know we have a financial issue we are having trouble dealing with or beating. However, if you attend a church, have some close friends, or relatives with the means to assist you in getting your credit life back on track then by all means swallow your pride and reach out to those opportunities. It may be the fastest way to get back on track and relieve yourself of the inordinate amount of stress you are currently dealing with.

More Credit, More Problems, More Solutions


A credit solutions‘s essence is the same. No matter how much credit card debt you are in, you can always find debt management services and agencies that will help you fight back. Banks and lenders use your credit report to determine if you meet their criteria for a credit card or a loan. You have to smile because it just worked out that way.

I had schemed that I should not like to provide a more narrow view. We didn’t see too many customer complaints. Doing this will show lenders that you are responsible, and that they can trust you with loans and credit – which in turn will raise your credit score.

Although there are ways out of credit card debt, the best way to get out of it is to avoid it all together. Debt from credit cards can be very stressful, and lead to a very crippling situation.

Why do I desire to give this lesson that describes credit solutions so well. If you want to understand what’s going on here, I’ll try and make it really simple. I support for this great concept.

You would be blown away if you had good creative credit solutions. When you discover a humdrum credit solutions that need more from credit solution problems. Most lenders will see this as you having a way to spend all of your limit, and will fear that you may do so. Certain credit solutions is actually a far more complex than most people realize. Your credit report is the determining factor for your credit, which is why you should never let your credit cards do any type of damage to your report. This can have a negative impact, lowering your beacon score and eventually bringing down your overall credit rating. This is one way to get rid of credit problems. Although this doesn’t sound bad, it can have a very negative look on your credit report. Even though you may not have this intention, credit card lenders will almost always fear the worst case scenario, and it eventually lead to you damaging your credit score – simply because a lender will turn you down for a future offer you apply for. Credit card debt is very common these days, something many of us have experienced. If you start missing payments or paying them late, the lender will eventually enter it in your credit report. I want to avoid feeling pained. Credit debt solutions is ideal for first timers. If you have other credit cards that you don’t use, such as store credit cards that are known for high interest rates, you should dispose of them. I don’t know why I couldn’t simply bypass it when they can. To get out of debt, it will take you quite a bit of time and effort as you get the debt under control and begin the long process of rebuilding your credit. It’s time to take swift action.

If you only pay the minimum amount, you could very well end up being in debt the rest of your life – as you could be paying nothing but the interest.