The issue we hear more than anything else is blaming others, the clients who cannot look in the mirror and see whose truly at fault for their mistakes, those unforunate people never learn the lesson. They always end up back in the credit and financial dungeon.

Most Americans get at least some basic understanding of credit from friends and family, most also get help with their first application and credit card/bank loan recconenommendation. If you prove to be an unresponsible borrower, please do not go after that person who spent their time and effort helping you. They could not have predicted your path, you agreed to pay that money back *With interest*. You benefitted from it in some way, your buyers remorse should not ruin relationships. Unfortunately it does far to often. we see clients realize this, just to late to fix what they have broken.