App-O-Rama means a strategy of submitting multiple credit card applications within a very short period of time. If you have a good credit score, you can easily make hundreds or even thousands of dollars from this technique. You can borrow money at very low cost and invest it for a high rate of return. However, App-O-Rama is not as easy and low risk as many people think. This strategy is not suitable for people who are going to take on additional credit during the next year. Read more about App-O-Rama hidden pitfalls in our article.

Slowing economic activity strains budgets of many companies. Nobody is protected from job losses or other unexpected life-changing accidents. If you lose the source of income, you can get into a serious financial trouble. Don't make your situation worse by falling into bad credit! Otherwise you can increase your borrowing costs and make it harder to get a new job - some employers take into consideration your credit history. Keep paying all your bills on time to maintain a positive FICO score. Our tips will help you manage your finances and, hopefully, ensure your peace of mind during difficult life events.

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In these tough economic times Americans are taking on more debt: job losses, soaring gasoline and food prices and slumping home values strain many people's budgets. If you are facing serious financial problems, bankruptcy may offer you a powerful remedy. You will receive a discharge - a court order that says you don't have to pay off certain debts. However, it can be difficult to admit that you need help getting out of a nerve-racking debt. If you regard bankruptcy as a scary proposition, consider the following FAQ. It will give you a clearer understanding of bankruptcy to make a well-considered decision.