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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United Christian Financial Services - Reviews of Alabama Debt Consolidation Companies

Physical Address:	P.O. Box 2190 Baldwin County Daphne, Alabama 36526
Year of Establishment:	April 2004
Description:	United Christian Financial helps Christian consumers consolidate their debts by taking into account their Christian religion and their faiths. Instead of having to work with tons of new creditors, the company consolidates your debt into 1 single payment, ahd charges you a small fee for this service. - A debt management representative from United Christian Financial will work with you and your creditors to negotiate a lower single monthly debt payment. The company claims most of its Christian consumers can pay off their debts in 3-6 years.
Services Provided:	- Christian Debt Consolidation - Advice about money with Christian faith in mind. - Company also helps consumers make proper use of their finances and budgeting.
Future Expansion Plans:	The company hopes to solidify its debt consolidation services and help more Christians get out of debt and be totally debt free.