1. If you spend more than 50% of your credit limit every month, this indicates to the Credit Bureau that you do NOT have enough cash on hand to meet your monthly expenses. This will term you as a high credit risk and will actually reduce your credit score by 60 - 70 points overnight (Fair Isaac).

2. If you miss 1 or 2 payments on your credit card debt, the issuing company will skyrocket your interest rate to a whopping 27% - 30%!

3. Out of a random sample of 3 million American consumers (included in Experian's National Score Index), 51% of them have atleast 2 credit cards and 14% of them have 10 or more credit cards.

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Alabama Central Credit Union - Reviews of Alabama Debt Consolidation Companies

Physical Address:	3601 4th Avenue South, Birmingham, Alabama 35222
Year of Establishment:	1938
Description:	Alabama Central Credit Union is known for its trustful relationships with its clients. Established since 1938, the company has survived various economic recessions and proved that it can provide useful financial services (which means returning customers).
Services Provided:	The company provides debt consolidation and other financialservices with over 9 branches throughout Alabama. Furthermore, it provides services to over 900 corporate employees throughout Alabama.
Future Expansion Plans:	Alabama Central Credit Union plans to open its 10th branch in Alabama as well as provide more ATM machines, expand its line of financial services and capture new markets.