Andy Jolls

Ilyce, great post with great, although unhappy statistics. One of the things I've been coaching consumers on is to watch out for credit limit decreases and to adopt a habit of paying off credit cards 2x per month. Why? They get paid twice per month, so they should be able to manage it. This has an effect of reducing their credit card balances which will keep their credit score higher. My post on this is at http://www.videocreditscore.com/credit-card-limits-lowered/ Also, I have a post for Realtors to help them help their clients at http://www.videocreditscore.com/realtor-prepare-best-fico-credit/