Bad credit. Two little words. One BIG problem. Today, with companies downsizing and the increasingly high cost of living, most Americans are one paycheck away from financial disaster.

What actual number is a good FICO score? A good credit score makes it easier to get a loan and can allow you to get credit at a lower cost.

You balance your checkbook and check your portfolio, but how frequently do you check your credit files? Credit files are windows into your private life.

There are dedicated incentives and programs available for seniors credit management. These include senior credit cards and senior secured credit programs.

Credit Repair - Do it Yourself? As the FTC notes: “Only time, a conscious effort, and a personal debt repayment plan will improve your credit report”.

Bankruptcy Personal bankruptcy as a debt management tool is a last resort. The results of declaring bankruptcy are long term and can have a profound impact on an individual's financial future.