With the housing market slump and bubble bursting, it has become more important than ever to have a high credit score.  Lenders don't want to get caught with anymore foreclosed homes and can't afford it.  So they are watching who they lend to. 

700 credit scores have become a minimum for any home loan and that is with a big down payment.  Now with the new credit card laws, starting interest rates on credit cards are much higher because the companies can't raise them later, so they raise them ...
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So with a lot of advice and Q&A sites out there, how do you know you can trust the source?  Most of the time like on yahoo answers you have a bunch of random people giving you advice or spamming you with their agenda.  Sometimes when looking for answers, I would have to scour forums and blogs to find what I'm looking, then test it to make sure it is correct.

Everything I have put on my site has sources and info to back it up.  So not just me (credit expert to toot my own horn) but a slew of ex...
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I've had some questions on the name of my site - creditjerk.com.  To be honest, I'm not sure about it either.  I'm not a hater or someone I consider to be a jerk.  But some people might say I'm a cynic or that I don't sugarcoat things.

I take things how they are with no bs and I hope to get the same back.  Kind of the point of the site, no more lies, no more myths, just stone cold hard facts.  No curve balls, just trying to tell it like it is.

It can be frustrating to someone who has never done...
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