Credit card scams affect consumers and the credit industry. Credit fraud is affecting not only consumers whose credit histories are taken over and abused, but also the consumer credit industry as a whole.
As the holiday season approaches, it is good to keep in mind that it is typically the time of year when consumers have a tendency to pile on credit card debt.
There are no quick-fix solutions when it comes to your credit history. You can't sweep late payments away or toss out charge-offs. But with patience and discipline, you can rebuild your credit sooner than you may think.
