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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DebtWave Credit Counseling Incorporated - Reviews of California Debt Consolidation Companies

Physical Address:	8665 Gibbs Drive #100 San Diego, California (CA) 92123
Year of Establishment:
Description:	- DebtWave Credit Counseling Incorporated headquartered in San Diego, California provides reputable debt consolidation services to its clients. - DebtWave Credit Counseling helps its clients settle debts with creditors and helps lower monthly payments as well as interest rates. - The company also helps in lowering or waiving over-the-limit fees or late payment fees. - DebtWave Credit Counseling provides helpful debt consolidation calculators and other financial tools that help its clients be debt free in a reasonable period of time. - The company also emphasizes alternative solutions to bankruptcy, such as debt consolidation. - DebtWave Credit Counseling also helps its clients make good use of their credit, budget their household expenses and save more money, and pay off their debts faster.
Services Provided:	- Saving money, budgeting, good credit management. - Debt Consolidation Loans & debt settlement with creditors offering lower interest rates, lower monthly payments and elimination of over-the-limit usage fees. - Debt negotiation with collection agencies