Check all of your credit cards that you carry balances on to confirm the current rate. You may be surprised to see that some of these rates are higher than you recall. Remember that credit card rates can be changed very frequently and easily by the issuer, and rarely in your favor. And even better - give me a call to check your overall debt structure, and let's ensure that it makes sense based on your current financial goals.

Usually, just a quick call to your CC company to the # on the back of the card is enough to get them to lower your APR...saving you hundreds!

Don't forget that you can check your credit report and score once a year for FREE at www.annualcreditreport.com

:-)