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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Best Credit Service Incorporated - Reviews of Arkansas Debt Consolidation Companies

Physical Address:	2500 McCain Blvd., Suite 206 N. Little Rock, Arkansas (AR) 72116
Year of Establishment:	1990s
Description:	- Best Credit Service Inc. is a non-profit, tax exempt Debt Counseling agency that provides credit counseling & debt counseling to thousands of Americans throughout USA. - Being a member of the Independent Consumer Credit Counseling Agencies, Best Credit Service Inc. will lower your monthly payments by lowering the Annual Percentage Rate (APR) charged. - The firm helps consumers eliminate over-the-limit credit card usage fees as well as late payment fees. - The firm charges $1 for every $1000 of debt managed. - The firm is also ISO 9001:2000 certified.
Services Provided:	- Credit counseling, debt counseling - Debt clearance & elimination - Company also helps consumers make proper use of their finances and budgeting.
Future Expansion Plans:	The firm hopes to offer solidified services in debt management plans, credit counseling, good credit & money management, elimination of credit card late payment fees & high interest charges, etc.