Back in the late 1950’s, a company named Fair Isaac came up with a way to assign a number to consumers that would reflect their credit worthiness which we know today as the credit rating It is a three digit number that tells prospective lenders if you are a good credit risk or a bad credit risk

If you have found yourself overwhelmed by credit card debt, you might want to seek out the services of a consumer credit card counseling service They actually are a part of consumer credit counseling services that are available to consumers all over the world

If you have less than perfect credit and want to repair it back to a positive state, you may want to enlist the help of a credit repair counselor What is a credit repair counselor