The number of Americans struggling with bad credit is not showing any signs of decreasing. Rather this segment of the American population is rising in numbers. This reality, does not come as a surprise to most people.

Most consumers can attest to the fact that rising health insurance costs, gas prices, education fees, rent and mortgages costs are taking a toll on the best of us. Add this predicament to job cuts, low increases in pay and your have a perfect storm of consumers relying on their credit cards and loans to pay for their everyday expenses.

If you