A Simple and Fast Way for Debtors to Improve Their Finances

If you carry a balance on your credit card from month to month, one of the simplest ways to boost your financial picture is to negotiate a lower interest rate with the card issuer. But only about one-third of consumers try, according to the Web site DebtGoal. They might be encouraged to give it a try if they knew what to say -- and that others have successfully cut their rates. If you fall into this category, check out a new free online tool from DebtGoal called NegotiateMyRate.

NegotiateMyRat...