It is clear that having debts that are difficult to manage and/or a bad credit rating can be very stressful and impact the available choices open to you. We have put together some strategies that may help you to improve your poor credit rating and enable you to take control of your financial future:
10 Steps to Improve Your Credit Rating
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The banks sure have tightened their standards when it comes to giving loans and mortgages. I think things will only get harded as we dive deeper into this credit crisis. Hopefully things will get better soon!