I have 30+ years in banking and all phases of consumer credit: lending,  marketing, product development and legal compliance. Some areas of my expertise include:
1. analyzing credit problems such as how to re-establish good credit
2. where and how to report errors on credit reports.
3. what to do if you have no credit
4. what to do if you have bad credit.
4. calculate debt to income ratios
5. explain bankruptcy issues
6. help individuals learn their way to solve consumer credit problems
7. screen tenants, locate missing debtors
8. where to request copies of credit reports
9. report consumer fraud
10. locate consumer agensies - Federal Trade Comm., Attorney General, SBA, Banking Comm., FDIC, etc.