Many men and women have bad
credit, not because they don't have the money, but because they just don't
remember to pay their bills before their due dates.
This business is best run by
subscription (ie. a set monthly fee for all bill reminders from Visa to
the phone bill).
The first consultation will
require the client to bring bills so you can see what dates they are due.
You record all this information. Then, from a week to a few days before
the bill is due, you phone the client to remind him or her.