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Call your creditors and ask for a lower interest rate.

Surprisingly, this can work if you can give your creditor a good enough reason for doing so. read: "Tips to get Out of Debt"

Why are credit scores used, instead of making credit decisions on a case-by-case basis?

Because credit scores don’t take into account demographic information like race or religion, they provide an objective and fast way for credit to determined. read: "Why are credit scores used, instead of making credit decisions on a case-by-case basis?"

Links & Resources

If you're having debt problems and need professional help, it's always a good idea to see if your (prospective) credit counseling agency is affiliated with either the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies... read: "Links & Resources"

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