Looking for a balance transfer credit card to help pay down your debt more quickly? We’re constantly checking for new offers and have selected the best deals from our database of over 3,000 credit cards. This guide will show you the longest offers with the lowest rates, and help you manage the transfer responsibly. It will also help you understand whether you should be considering a transfer at all.
You might be used to checking out at a store and being asked if you’d like to open a credit card. While these credit cards come with really high interest rates and are great tools to tempt you into buying items you don’t need, there is a big perk to store credit cards: they’re more likely to approve people with low credit scores. Just be sure to only use the card to make one small purchase a month and then pay it off on time and in full. Unsubscribe to emails about deals and don’t even carry it around everyday in your wallet if you can’t resist the desire to spend. Read more here. 
The first step and tip that we can offer anyone interest in fast credit repair is to look at their credit report. This single document contains so much information that it’s quite easy for there to be minor mistakes, and even major mistakes. With that being said, take the time to receive your annual free copy of your credit report and analyze the entire document. Look at your address, previous loans, and even inquiries to see if everything is truthful. When it comes to inquiries, they should not be posted for more than two years. If there are any inquiries longer than this, they should be removed. In any case, if there are any discrepancies, credit holders have the power to file a claim to remove the falsified information. In many cases, through doing this, it can significantly improve your credit score.
Would you like to learn more about the best way to consolidate debt? Then look no further than American Consumer Credit Counseling (ACCC). We are a non-profit credit counseling agency with more than 22 years of experience. We have helped thousands of clients become free of their financial burdens by consolidating debts. Our outstanding commitment to customer service shows with our A+ rating and accreditation through the Better Business Bureau.
Because MidSouth Community is a federal credit union, you need to be a member to qualify for this card. Membership is limited to people who work, live, worship, or attend school in the following Middle Georgia counties: Bibb, Baldwin, Crawford, Hancock, Houston, Jones, Monroe, Peach, Pulaski, Putnam, Twiggs, Washington, and Wilkinson. If you qualify, you may be able to get a secured card with an APR as low as 10.90% Variable.
How it works: You can add your teen as an authorized user to your account by logging in to your online account or calling the number on the back of your card. The information required typically includes their name, birthday and SSN. After adding your teen as an authorized user, they will receive their own card that is linked to your account. They can use their card to make purchases just like you would.

If you are working with a credit counselor and think you’ll miss a payment, they can take proactive steps to mitigate consequences and create a plan to get you back on track. They can even negotiate to have additional late payments or late fees reduced or waived if you miss a payment. The key to making this work is being completely open and honest about your situation and speaking with your credit counselor as soon as you realize your payment will be late.


I had a $10,000 surgery when my medical insurance lapsed. I had to fill out a form with the hospital that stated I could not afford to pay it and they forgave it/never went on my credit. If you make under a certain income, the hospital should help you get those off, call the hospital and ask. It may be too late since it’s in collections already, if that’s the case, don’t pay it because it won’t change the negative impact since it’s already in collections. Wait for it to fall off.
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