With credit card offers, car purchases, mortgages, and the variety of other things that put you in debt, it is very easy to get in over your head. One missed payment here, a few open credit cards there, and the next thing you know you can’t even qualify for a credit card at the Gap.

People with bad credit generally never plan on ending up that way. I know I didn’t. For me, it wasn’t so much that I couldn’t make any payments on time, I got hit by a few things I did not realize could hurt your credit score. … Continue Reading