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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Arkansas Debt Consolidation

Our Forum members living in Arkansas will help you consolidate your debt and build up a good credit history. This Debt Consolidation section on Arkansas will give you a list of useful websites that offer debt consolidation, credit repair and credit card debt elimination services in Arkansas. Our veteran members will also offer you advice and tips on how to save money, budgeting your expenditures

Useful Links for Arkansas Debt Consolidation

»Arkansas State Board of Collection Agencies
»Arkansas Attorney General

Best Arkansas Debt Consolidation Companies

» Best Credit Service Incorporated
» Crednology Credit Service
» KMA Financial Group