The Ultimate Credit Handbook

This extraordinary guide, now expanded to incorporate the latest changes in government legislation, tells you all you need to know to maximize your personal credit. You will find out how the credit bureaus rate you, how to improve your credit rating, and how to correct credit bureau errors that can wreck your financial life. You will master the secrets of good credit and find out how to turn a credit rejection into an acceptance. You will learn how to get through credit catastrophes and how to fix your credit if it has already been damaged. You will be armed with information to help you battle credit card fraud, bank foul-ups, and merchandising rip-offs. You will learn your credit rights and how to enforce them. And, best of all, you will discover painless ways to cut your spending and get out of debt - forever.