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 Concepts - Reviews of Colorado Debt Consolidation Companies

Physical Address:	8120 Sheridan Blvd Ste 113c Arvada, Colorado (CO) 80003
Year of Establishment:
Description:	- Credit Concepts provides credit counseling, educational workshops, and sophisticated debt management programs (DMP) to their clients. - Credit Concepts helps consumers make good use of their credit and teaches them good money management skills. - Credit Concepts helps its clients settle debts with creditors and helps lower monthly payments as well as interest rates. - The company's motto is to help people pay off their debts and build up a good financial foundation for a better future.
ervices Provided:	- Good credit & money management - Comprehensive debt management program (DMP) helping people pay off their debts with the lowest monthly payments and lowest interest rates. - Budgeting & saving money tips - Provide alternative solutions to bankruptcy, such as debt consolidation
Website:	http://www.creditconcepts.com/