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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Credit Data SouthWest Incorporated - Reviews of Arizona Debt Consolidation Companies

Physical Address:	301 E Virginia Ave Phoenix, Arizona (AZ) 85004-1215 Phone #: (602) 744-3700
Year of Establishment:
Description:	Credit Data SouthWest Incorporated offers a wide range of business services, credit check and also works in conjunction with other debt collection agencies. - Credit repair, credit counseling, debt counseling, housing development, counseling first time home buyers. - Company also helps consumers make proper use of their finances and budgeting.
Services Provided:	Debt consolidation, credit repair, refinancing home mortgage loans, debt settlement, budgeting, etc.
Future Expansion Plans:	The company offers many different alternatives to bankruptcy such as debt consolidation, careful budgeting, cutting down on living expenses, etc.
Website:	n/a