Your “Available Credit” Does Not Equal Your Bank Balance
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Your “Available Credit” Does Not Equal Your Bank Balance

I’ll say it again.  Your “available credit” does not equal your bank balance.  One more time just in case you weren’t paying attention the first time.  Your “available credit” does not equal your bank balance!  In fact, whatever you spend on your credit cards goes against your bank balance.  Too many people see the words…

Having Bad Credit is Unfair…Here’s Why
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Having Bad Credit is Unfair…Here’s Why

So, you have bad credit and you’ve noticed that it’s a rock that is nearly impossible to get out from underneath.  It feels like there are forces beyond your control that are holding you in place so that once you have joined the bad credit ranks, like millions of Americans, it is almost impossible leave. …