Pearl Polto answers everyone's questions about establishing good credit, running credit checks before applying for a loan, avoiding the credit card merry-go-round, coping with collection agencies, applying for loans and mortgages, and avoiding bankruptcy--the 10-year credit curse.

For those Americans who have difficulty establishing and maintaining good credit habits, this guide teaches readers how to establish good credit, cope with collection agencies, avoid bankruptcy, and more. Reprint.

The United States of America has been in trouble for a long time, but before we can correct the problems, we need to know what they are. The time has come for the people to know the truth about what is happening in our cities, our states and our country. Our government has placed an unnecessary burden upon the people of the United States by making mistakes and failing to learn from them. Now we must pay the price. We live in a FREE LAND, but we take it for granted, allowing others to work and fight for us. Instead of valuing the treasure that is freedom of speech, we contentedly stay silent. The only way to bring about the necessary change is to stand up for what we believe in and let our leaders know that we will not sit idly by while they destroy this great country. It is time we all say, "Enough is enough."

YOU & YOUR CREDIT is a well written "straight to the point" insiders guide on the inner workings of consumer credit. The book was written to help the many people who now have, have had, or will encounter consumer credit problems. Each chapter of the book is written in a concise & easy-to-understand format, to give the reader a true feeling of being involved & to make the reader confident enough to tackle their credit problems. Readers will find the simplicity in applying these principles using "real world" techniques to improve their financial situation very refreshing. This book not only addresses the road to credit recovery, but, also shows the reader how to avoid credit pitfalls. The book lets the reader self-analyze their credit situation-without the assistance of gimmick programs & high priced credit consultants, & embark on a road to recovery. YOU & YOUR CREDIT will give the reader a greater understanding as to what went wrong, how to fix it. YOU & YOUR CREDIT teaches you your credit rights under the law, how to avoid scams, bankruptcy, credit counselling, business credit, & also serves as an excellent reference guide. If information is power, then here it is, a plethora of information for a capitalistic, credit-minded society where credit is everything. To order call (718) 341-4575, or by mail: Pyramid Publishing, 110-64 Queens Boulevard, Suite 227 ANNO, Forest Hills, New York 11375-6347.