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

A bad credit rating can keep you from buying a house, renting a car, or even sending flowers. yet most people don't know how to find out the status of their credit or how to fix it if it's bad. This book can save you time and money. Written by a journalist and a credit consultant to the mortgage industry, The Guerrilla Guide to Credit Repair tells you how the major credit bureaus compile your credit history, and teaches you how to deal with them if there is a problem. Easy to use, the book shows you: --How to contact three major credit bureaus and get a copy of your credit report. --How to decipher and understand the report's complex codes, numbers, and implications. --Step-by-step, how to correct errors and clean up your credit history. --How to use your legal rights under the Fair Credit Reporting Act, the Fair Billing Act, and the Truth in Lending Act to protect yourself against credit abuse. Sample credit reports, form letters, and proven techniques for credit repair makes this an invaluable guide for all consumers.

Below are two books which the average citizen can read and do the legal work necessary. Even if you don't do any legal work, these books will help you make sure your lawyer is doing his job!Has the high cost of modern living finally gotten to you? Are you so deeply in debt that it's impossible to imagine getting clear of your financial obligations? Then it's time to read Ditching Your Debts! This is a ground-breaking guide to solving your seemingly insurmountable financial problems. Learn some proven techniques that will enable you to surmount your troubling predicament. Covered: The quickest way to ditch your debts; Legal considerations; How bill collection agencies operate; How to generate some "breathing room" for yourself by getting lost; and more. It's become too easy to get so deeply in debt that there's no light at the end of the tunnel until now.

It's typically the biggest expense you will encounter in a lifetime. The right choice can make you ecstatic, and the wrong one can leave you burdened beyond belief. Buying a home requires extensive information; the more you know increases the chances that you'll live there happily ever after. The Unofficial Guide to Buying a Home presents readers with unbiased, street-smart advice that helps them assess their options. How much home can you afford? How do you find a realtor? Where should you buy? What type of mortgage should you apply for? How do you make sense of all those fees? And how do you make certain that you're really purchasing your home sweet home? This is the first guide to truly address the anxiety that goes along with the purchase of a lifetime.

Written by an experienced credit consultant to the mortgage industry, "The Fix-Your-Credit Workbook" offers ways to organize cash flow, repair bad credit, and restore access to loans. Charts, to-do lists & form letters.