The most effective way to handle evolving credit problems is to recognize the danger signals, not ignore them:
1) When your debts, including your mortgage (if you have one), are more than 40% of your monthly income.
2) Youâ€™re making only the minimum monthly payment on your credit cards.
3) Youâ€™re skipping some payments entirely every month.
4) Youâ€™ve […]