You might think, as I once did, that a bad credit record is nearly impossible to overcome. But, the fact is there are ways to repair your credit after personal problems have caused you to mess it up or some calamity has made it impossible for you to pay your bills on time or even to pay them at all. This aptly named book takes a methodical and thorough approach, with step-by-step instructions and advice to fix even the worst credit record in the shortest possible time. If you have serious credit problems, you need this book.

FROM THE PUBLISHER

Perhaps you've had problems with credit. Perhaps you haven't, but your credit report says you did anyway -- nearly 70 percent of credit reports contain errors.

Either way, a less-than-flattering report can hurt your chances of qualifying for a credit card, mortgage or any other kind of loan -- it can even get in the way of renting an apartment or finding a job.

But a bad credit report can almost always be improved or corrected. In plain English, Credit Repair shows you how to fix your credit situation quickly, easily and legally.

This edition of Credit Repair provides new information about your liability when your credit card is used without your permission, and how to close a credit card account properly. It also includes sample credit reports and lists of agencies and organizations to turn to for additional help.

SYNOPSIS

Perhaps you've had problems with credit. Or perhaps you haven't, but your credit report says you did anyway, nearly 70 percent of credit reports contain errors.

Either way, a less-than-flattering report can hurt your chances of qualifying for a credit card, mortgage or any other kind of loan, it can even get in the way of renting an apartment or finding a job.

But a bad credit report can almost always be improved or corrected. In plain English, Credit Repair shows you how to fix your credit situation quickly, easily and legally. Learn how to:

avoid overspending establish a realistic budget get out of debt now build a financial cushion read and understand your credit report get mistakes on your credit report fixed protect your social security number avoid credit discrimination get positive information added to your credit report negotiate with creditors

This edition of Credit Repair provides new information about your liability when your credit card is used without your permission, and how to close a credit card account properly. It also includes sample credit reports and lists of agencies and organizations to turn to for additional help.

About the Author

Attorney Robin Leonard has been featured as a money and credit advisor on Good Morning America and CNN, and in publications across the country, including Kiplinger￯﾿ﾽs Personal Finance Magazine, U.S. News & World Report, Money, Forbes and the Los Angeles Times. She is the author of many Nolo books including Money Troubles: Legal Strategies to Cope with Your Debts, Credit Repair, Take Control of Your Student Loan Debt, and Bankruptcy: Is It the Right Solution to Your Debt Problems? and co-author of How to File for Chapter 7 Bankruptcy and A Legal Guide for Lesbian and Gay Couples.

Deanne Loonin is a staff attorney with the National Consumer Law Center (NCLC) in Boston. She also works with Nolo on debt and credit issues. Prior to joining Nolo and NCLC, she directed Bet Tzedek Legal Services senior consumer fraud unit in Los Angeles. Deanne is co-author of Nolo's Money Troubles: Legal Strategies to Cope With Your Debts, Take Control of Your Student Loan and Credit Repair.

FROM THE CRITICS

Chicago Sun Times

How do you distinguish genuinely helpful credit-repair professionals from scam artists? Ask your library for books such as Credit Repair.

Washington Times

A helpful guide for people who have sunk into debt, the book offers ideas for setting up a budget and repairing credit history.

Chicago Sun-Times

A high quality, do-it-yourself credit repair approach...

Reuters

A high quality, do-it-yourself credit repair approach...

Joyce Lain Kennedy - Chicago Sun-Times