A credit score is much more than just a number. A low score means worse interest rates on new lines of credit and a reduced likelihood of qualifying for loans. It can even jeopardize chances of getting a job and finding a place to live in some cases. Many people believe that when their debts are too high, they have no chance of repairing their credit score. However, this doesn't have to be the case as long as the knowledge of quickly raising one's credit score is understood. Credit excellence can be achieved through options like standard credit counseling, debt settlement, credit repair, and even bankruptcy.

It is estimated that over 80 million Americans are living with poor credit, and recent studies have shown that up to 79% of all credit reports contain errors. Use this recession-proof, guerilla-repair guide to quickly and legally repair your credit and improve your scores. Don't pay credit repair companies thousands of dollars; do it yourself, and be fast on your way to owning the car or house of your dreams. - Remove accurate negative information - Boost your scores in as little as 72 hours - Establish credit fast and easy - Laws to stop creditors fast in their tracks - Secrets the credit bureaus don't want you to know - Remedy identity theft in 4 days "Finally, a credit repair guide that delivers! I applied these legal-loopholes tactics and improved my credit score by over 100 points in less than 30 days! The author uses his legal background to shed light on the little-known provisions in the law, allowing you to legally and quickly repair your credit and boost your scores. Yet his simple approach and sample legal form letters make repairing credit so easy-you need only be smarter than a fifth grader to do it yourself." -E. Henry, Milwaukee, Wisconsin, savvy consumer

Discusses how major credit bureaus compile a credit history and how to deal with them if there's a problem.

Here's How to Fix Your Credit, Featuring 290 Extremely Effective Tips to Increase Your Credit Score. If you are interested in credit repair than you need to read this book right now as it may be the most important credit repair book you'll read in a long time. Here's just a fraction of what you're going to discover in this book that you simply will not learn anywhere else: * How to best take advantage of the most effective credit repair techniques - ideas to improve your credit rating as fast as possible. * The surprising "little-known tricks" that will help you get the most out of your credit repair tactics. * How to find out what exactly caused your credit rating to deteriorate; this best kept secret will save you lots of money on your purchases. * Do's and don'ts of credit repair: top strategies to fixing your credit rating. * How to take your credit improvement strategies to the next level; be ready to be surprised when you discover how easy and effective this is. * The simple unvarnished truth about what works and what doesn't work in credit repair, this is really crucial! * Extremely effective ways to take advantage of recently discovered credit improvement methods. * Credit repair myths you need to avoid at all costs. * Golden rules to help you get a better credit rating; discover simple methods that work perfectly every time. * How to make sure you come up with the most effective solutions to your bad credit challenges. * A simple, practical credit repair strategy to dramatically improve your credit score, but amazingly enough, almost no one understands or uses it. * The top credit repair mistakes people do - and how to avoid them. * How to put together an effective credit repair routine: the golden rules of good credit practices - find out the easiest, simplest ways to raise your credit score. * What nobody ever told you about credit repair; insider secrets of avoiding the most bothersome challenges. * All these and much much more.

With more and more people declaring bankruptcy and total debt in this country rising, the time is perfect for a book like The Complete Guide to Credit Repair. Not only will this book show people how to repair bad credit to stay out of bankruptcy, it will show them how to avoid bad credit in the future and what they can do to strengthen their situation. Credit bureau information and other vital resources have all changed within the last few years. The Complete Guide to Credit Repair - written in a simple, straightforward tone - is packed with up-to-date information on a topic that millions of people face everyday.

The majority of debt-ridden consumers are in desperate need of financial budgeting and credit repair. The Essential Credit Repair Handbook contains all the information you need to walk you through the step-by-step process of repairing your credit and leaving debt behind! The book will teach you how to: Dispute late payments, charge-offs, and collection accounts Rebuild your life after a bankruptcy, foreclosure, or short sale Re-establish your credit in spite of a bad credit report Set new financial goals Understand the latest credit card laws and regulations The Essential Credit Repair Handbook is an easy-to-use guide for people who are getting over bankruptcy, foreclosure, short sale, or any financial hardship affecting their credit and are looking to rebuild or re-establish their credit.

When bad credit happens to good people. Once someone’s personal financial credit goes bad, it can be a difficult process to bring it back into good standing. This guide shows consumers how to repair their credit, increase their credit score, and avoid falling victim to the instant credit repair industry and its fraudulent claims and scams. • Research by the Federal Reserve indicates that household debt and personal bankruptcy filings are at record high levels • Only book on the shelves to include coverage of the The Fair and Accurate Credit Transaction Act, which goes into effect 12/1/2004 • Author has been featured in Money, Family Circle, and Women’s Day, and has appeared on CNBC and CNN