Avoiding scams

When you are down on your luck, many businesses seek to end all your troubles—for a fee of course. They feel that because you have less than perfect credit, they can not only charge ridiculously high interest rates for shoddy merchandise, but also lure you into certain loans, rental contracts and get rich quick schemes that target people who are in a financial rut or living on a fixed income. Topics include: “Bad Credit Unwelcomed” and “They Think You’re Stupid.”