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The world of personal credit is changing rapidly due to the financial meltdown in our country.  FICO has changed it's scoring method, banks are raising card rates and reducing credit limits and nobody knows what's going on on Wall Street.

While we are confidant that reducing debt by paying on time is a solid plan, events may change that affect how your plan is carried out.  In this section we have a number of articles dealing with specific issues but also feeds from top personal finance sites with up to date info that can affect you.  Check back often for the updates.

• Debt Negotiation Firms
  
  Debt negotiation is a tricky business. Should you rely on a negotiater to get you the best deal with creditors?
• Should Government Regulate Credit Cards
  
  If Congress regulates banking, why not regulate the most profitable arm of that industry, credit cards
• Consolidating Payments
  
  Consolidating your credit card can take the immediate stress of your budget and save you money as well. You will no longer be able to use the credit cards until the debt is paid but that could lead you to a more organized financial practice.
• Credit Card Anxiety
  
  Credit card rate increases can trigger serious anxiety attacks. Learn how to understand and deal with the symptoms and get focused on your credit issues.
• Internet Scams
  
  Video reviews of popular internet scams. The continuing saga of American greed in difficult economic times.
• Google Scam
  
  Google money machine and Government Grants are both scams that sign you up for worthless sites who make unauthorized charges to your credit card. Learn how to get a refund and stop the charges.
• Free Credit Repair
  
  Free credit repair. It's free because you do it! Here's a quick guide on how to repair your credit for free.
• How To Avoid Bankruptcy
  
  Recognize what you can do to avoid bankruptcy by evaluating your debt and possible solutions.
• Debt Control
  
  Get out of the debt trap with these proven debt control techniques. Get rid of the plastic and go Green
• Investing In Debt
  
  Investing in your debt pays a much higher return than investing in the market. Learn what your "dilutuon" rate is and how much of your net income is going to dervice debt. It's a shocker!
• Doing your own credit repair
  
  Do it yourself credit repair is not as easy as it looks. If you are going to take it on you need to know what to expect.
• credit card debt banks will take less
• Credit Score Used To unerwrite Insurance
  
  Your FICO score determines if you get a loan or not. Can it also predict how well you can drive a car?
• Clear Credit Debt
  
  There are a number of ways to clear your credit card debt. Which one is right for you? Take a look at what is available and make up your mind.
• Student Credit Cards
  
  Getting a student credit card can help in establishing a credit record early on. There are many to chose from and each has a different value. Check out these tips on selecting the right one for you.
• Consolidating Debt
  
  Consolodating debt is an option to bankruptcy that will allow you to put all your debt payments into one bill. Get debt free in three to five years.
• Bad Credit Repair
  
  Bad credit repair step by step. Where to go to get free advice on how to repair your credit.
• Credit Cards for Australia
  
  Learn the facts behind the credit card industry in Australia and see how it affects you.
• Debt Consolodation
  
  Debt consolodation can be a viable alternative to bankruptcy if managed right. Don't make the mistake of missing these important tips.
• Debt Consoladation Plans
  
  Debt consolodation is one option for becoming debt free. Here are the short term and long term considerations to help you decide if it's for you.