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Reasons For Credit Restoration Business & Commercial Loans for Financial Leverage Restructuring Current Debt(s) to Increase Monthly Cash Flow Mortgage Qualification / Home Ownership & Refinancing Options @ Lower Rates Consolidation of Debt & Debt Reduction Strategies Professional Development & Increased Employment Opportunities Self Improvement (Single ) / Joint Improvement (Married) To Obtain Educational Loans, Grants & Scholarships Consumer Empowerment and Awareness "Knowing & Understanding Consumer Credit Protection Rights" Psychological Effects of Credit Related Problems The "Poor Mentality" - Limited Financial Resources Lack of Motivation "A Broken Spirit" / Psychological Stagnation Negative Foreshadowing of Filing for Bankruptcy Due to Financial Difficulties Low Self Esteem / Self Pity & Degradation / Displaced Anger & Hostilities Against Innocents Domestic & Family Problems / Separation / Divorce Eminent Fear of Legal Action by Creditors Manifestation of Psychological & Physical Health Problems