Keywords: Credit card debt settlement , Debt settlement company , Debt relief Article Body: One thing that has always boggled my mind about the America education system is that we donÆt have mandatory classes on credit. Think about it. Chances are for 99% of our population that high school Chemistry class they took in 11th grade turned out to be pretty useless in their adult lives. In no way am I advocating that we drop Chemistry from our curriculums, but itÆs completely unreasonable that we cannot find the funding or space for a mandatory course on credit. To be honest, itÆs the one thing thatÆs useful for us all---from the chemist to P.E. instructor---and when you factor in that banks are increasingly targeting 18 year old college kids with credit card solicitations, it makes even more sense to educate the younger population about the appropriate use of credit. The most common misconception about credit is that the only thing that matters is your credit history---whether youÆve made payments on time and fulfilled your financial obligations in a timely manner. Sure your payment history is important, but it still only composes just over one-third of your credit score. Moreover, your payment history is only reflected in your credit score. Lenders look at the whole financial picture. Does this person have a sizeable down payment? Will this person be able to reasonably afford this monthly payment given their income? Does this person have assets that they can liquidate in the event that they can no longer afford the payment? When someone is toiling paying the minimum payments on high interest credit cards, they are doing very little to help their credit worthiness. Yes, theyÆre helping their credit history, but in the process their credit is presumably being affected negatively by their high outstanding debt amount. If you think that you can fool a lender into thinking youÆre financially healthy when youÆre only able to afford the minimums on your credit card, then youÆre wrong. These people are experts at deducing who is good loan candidate, and if youÆre paying 25% or more of your monthly income on credit card minimum payments, then youÆre probably not the best loan candidate in their eyes. Why? There are a couple reasons. First and most obvious is that you might not have sufficient income to afford the loan payment as well as your credit cards. Secondly, think about what it means when someone is paying just the minimums on high interest credit
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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childrenTopanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Topanga Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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