After reading the comments, I absolutely agree, that John should put comments on both of our articles as they are key - 'Your Help Needed' for instance and a 'Key to a Healthy Mind and Body' are really one and the same, if you are in debt and its clouding you, bringing you down and making you depressed then every other area of your life is affected, I know money is needed to live, but it doesn't have to take a complete hold of your life. John offers a light at the end of the tunnel and we have similar systems in place ie., DRO (Debt Relief Order) in the UK...never let money get you down, because there is always someone out there willing to help and John is one of them and I suggest anyone living in the US (and I know we have a big US following), please visit his site - Many thanks Robert & Linda
John's Comment
Credit repair-what you dont know. 3/15/2012 Did you know how one late payment can affect your credit scores ? Did you ever get a notice from your credit card company stating your payment was received late along with a bill for a late payment fee. You call up the credit card company and they tell you heres what we are going to do, "we will remove the late payment fee from your account" You think you have taken care of the situation and everything is resolved. Guess what, All they did for you was to remove the late payment but behind the scenes that are reporting to the credit bureau that you have a late pay. guess what happens next. Every single open account you have can now increase your interest rate. and yes they all do it. After about 90 days you will notice your minimum payment has increased on each card. The average household carries around 6 credit card accounts and if each payment has increased five dollars a month well thats an extra $300 dollars a year. That is just on Your Help Needed
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