If you’re one of the many American’s with bad credit, a credit repair service probably sound pretty appealing. But can they really fix your credit? The short answer is no. Here's why.

Putting all your debt it one basket may seem like a good way out. If you do go that route, do so sooner, rather than later and beware of these common mistakes.

If your credit rating is less than worthy, there are steps you can take to redeem yourself. First and foremost, start making payments on time. Follow these other steps to respectability.

Is it practical or even possible in modern day America to eliminate debt entirely? It just takes discipline, sacrifice and a more liberal definition of what constitutes personal debt. Here's what we mean.

A confluence of factors are making mortgage lending particularly difficult these days and the problem is particularly troubling for refinancers who are looking to get out from under their adjustable-rate or interest-only loans.

Managing a credit card account can become a lesson in the school of hard knocks for high school and college students. So get smart by following these rules.