When you are trying to get ahead of debt and build a stronger credit future, it helps to know where the baseline is. In the U.S., the average FICO® score stands at 715 . If your score is not in this range, qualifying for major financial milestones like a mortgage, car loan, or low-interest credit can become significantly harder. This blog explores why a credit fix program, which combines debt control and credit health improvement, can be the smarter path. We will look at how

Managing credit efficiently has become increasingly complex for modern businesses. As organizations grow and customer bases expand, keeping track of outstanding invoices, monitoring risk, and ensuring timely collections can be difficult.  In fact, 86%  of firms report that up to 30% of their invoiced sales are overdue, highlighting how widespread and costly delayed payments are. Manual credit management processes often result in errors, delayed collections, and a poor custome

You’ve seen the ads. “Erase your debt fast.” “Pay less than you owe.” They sound perfect when bills keep stacking up. But are these promises real or just another trap? The difference between financial relief and disappointment often comes down to one thing: who you trust. Simple Debt Solutions is one of many companies offering quick relief. It sounds tempting. Yet, behind every promise, there’s a question waiting. Is Simple Debt Solutions legit, or another false promise? What

In the U.S., adding authorized users to a credit card account has become an increasingly common practice. Parents add their children, partners include each other, and some friends may even help one another by adding a name to their accounts.  This trend is reflected in a recent report that   analyzed over 230,000 credit profiles ,  revealing that more than  33% of individuals  hold at least one line of credit as an authorized user. But what does this statistic really mean, an

Introduction Dealing with debt is a common challenge many people face today. In fact, nonprofit credit counseling agencies report a...

Introduction When debt becomes overwhelming, many Americans seek a safe and structured way to get back on track. One option that often...

Are your credit worries holding you back from seeking help with debt stress?  Many people avoid credit counseling because they fear it will lower their score. The truth is, enrolling in credit counseling doesn’t directly harm credit, but specific actions while in the program can.  As of Q2 2025, U.S. consumers carry $18.39 trillion  in total debt, showing how widely common credit stress has become.   Understanding whether credit counseling can hurt your credit score requires

A low credit score can limit financial opportunities, making it difficult to secure loans, rent an apartment, or qualify for lower...

Dealing with overwhelming debt can feel like you're drowning in a sea of bills and financial stress. Have you ever found yourself...

It affects everything from whether you qualify for a loan to how much you'll pay for a mortgage, car loan, or credit card.

According to recent studies, the average American carries over $6,329 in credit card debt.

According to a recent report, the average American carries over $6,300 in credit card debt.

Managing credit card debt can be a challenge when dealing with multiple payments with high interest rates.

US credit card debt reached a record $1.142 trillion in 2024, with an average debt per American of $6,501. Explore the statistics.

Explore the cost of debt problems and solutions with clear definitions, formulas, and examples. Learn how to calculate and address financial

Shepherd Outsourcing helps you consolidate debt smartly without affecting your credit score with tailored solutions. Learn about Debt Manage

Explore the best way to pay off credit card debt: focusing on high-interest debt first, and using the Snowball Method.

Learn about distinguishing legitimate collectors from scams, with strategies for consumer impact recovery in debt scenarios.

Explore the best way to pay off credit card debt: focusing on high-interest debt first, and using the Snowball Method.

This blog discusses credit card debt relief government program options such as HUD counseling services and homeowner assistance fund.