Managing ones credit is more than just checking your F.I.C.O. score at the credit bureaus or paying off your credit cards or obtaining consumer credit counseling. Managing ones credit is a process that involves more information than any one person can gather in a reasonable time frame.

Thus this site, our mission is to have each of us work together to provide information that helps us to properly manage our finances. We could have called this financial management center but a domain name squatter beat us to the name, besides most people seem to equate their financial management with “Credit Managing” as opposed to “Financial Management” which conjures up images of wall street not main street.

With the crisis in the credit industry today, (I say credit rather than mortgage or banking because the problem is one of obtaining credit weather personal credit or business credit not just insolvent banks or mortgage companies), many companies have popped up that make all kinds of claims like “debt consolidation” for a low fee, “credit counseling at low rates” and my favorite “Get out of debt free!”.

Many are fly by night operations that are out to grab your money and provide you with nothing, the legitimate ones are offering to do for you what in many circumstances you could do yourself for free if only you knew where to find the information on how to do it and had the time to do it.

That is where this site comes into play, if you have some time you can learn how to do most, if not all, of this yourself, and have better control over your own financial future. Think of it as learning to fish as opposed to being given a fish.

Now there is also time value to consider, if you do not have time to learn what you need to know in the time frame you need to know it in then you might want to consider hiring a consumer credit counseling service to expedite your immediate needs and then, when the pressure is off and you can exhale, take the time to learn how to maximize what you have to get on top of your credit and finances so that it is working for you and not you working for it.

The information we gather here will, I am sure, will start out a bit jumbled and take time to begin to jell into a useful format.

Please join us and let us get things going, we are in this together and together we can figure out how to end up on top of it instead of being the ones getting tinkled on.