I'm writing this on behalf of my dad, so forgive me if I get a few details wrong. My dad is a business owner who has been in business for 20 years. 7 years ago, he began construction on a new building for his business and expanded into retail. The business did well for a few years until the economy tanked. At first, we thought it might just be one bad fall season and that sales would rebound in the spring, so he used his personal credit cards to finance the business through the winter. We're still waiting for that rebound, so he's been maxed out on his personal cards for about 2 years. He's never missed a payment or been late for over 20 years. His credit score went from about 770 to 630. This year, we've been able to make some cuts and he's been able to gradually pay off some of his balances. But, instead of this improving his score, the creditors are just reducing his limit EVERY MONTH he makes a payment! So basically, he can't get his score to improve because his available credit is low, and they are continuing to keep it low even though he is paying on time. Does anyone have any suggestions on the best way to handle this? He says he has tried calling the companies, and he is told that his limit is being decreased because of credit scores. When he asks how he can improve his score if they keep lowering his limit, he is told "it's not my decision, it's company policy". He asked to talk to a supervisor, and the person told him that they are not allowed to give out supervisors names or transfer calls to them. Any and all advice will be appreciated!