You suspect that your credit report is not the best When you applied for a loan recently, the lender either gave you a cold shoulder or a sky-high interest rate

If your dispute letter was rejected by the credit bureau, be sure to correspond with the lender or organization that reported the negative item to the bureau. If you've ever contested a charge on your charge card, you know how they play this game...

If you are in over your head in credit card debt, try negotiating with the lenders to reduce your liability. You will be surprised at the results you might get from a persuasive phone call or two...

Only about half of Americans are able to pay off the balance on their credit cards every month. Yet most borrowers who are struggling to keep up with their mortgage and credit card payments don't know that help is available...

The success of your credit restoration business will depend on your ability to empathize with your clients, negotiate with their lenders, and carefully document all your efforts...