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I think that as people that borrowed the money, should pay the money back. So with that in mind here is what you need to do. Call each company that you have a debt with that is past due. Arrange with the manger a payment plain that you can handle. Make sure that the [...]

I’ve been told that the fastest way to punch your credit score up in a quick hurry (like before a major purchase) is to overpay your credit card balance. If you owe $612 for example, pay $660. It’ll show as a credit on your balance anyway, so you’re not losing anything. Other things to do [...]