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Reasons why you should consolidate your debt In the last decade the number of individuals filing for bankruptcy has increased by 44% and this number is continuing to rise. Consumer credit is so high that a large number of people are in debt. CREDIT CARDS: Rules and Fees Credit cards are unsecured loans that do not require you to pledge any assets, just your signature. Most consumers are not aware of the rules and regulations imposed by the issuer of a credit card. It is important that you understand the major points of the credit card you are applying for or currently have. Credit Bureaus, Who are they? Credit bureaus, also referred to as a credit repository or CRA's , is an entity that gathers information about consumers' credit histories. Your credit history includes information concerning your identity, your payment habits, and your public record. What is Debt Consolidation? An explaination of what debt consolidation is and how it can assist you in getting yourself out of debt.

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