Over one hundred million Americans suffer from a lower credit score and do not understand how to remedy the situation. The key to taking on credit bureaus, creditors and collection agencies is to sue them and take no prisoners. Once the case ends up in a federal court on several violations of the laws dealing with consumer protection, you will be entitled to a restoration of your credit, damages and attorney fees. We also learn several other techniques to protect and restore your credit. Bad credit leads to higher interest rates on borrowing and can also lead to not being able to obtain credit. In order for there to be a check and balance against the credit bureaus which will almost always side with the creditors, who are responsible for the majority of their revenue, consumers must stand up to illegal and unethical practices.