The acclaimed plain-English solution to fixing a bad credit report! Perhaps you've had problems with credit, or perhaps you haven't, but your credit report says you have anyway -- nearly 80 percent of credit reports contain errors. Either way, a less-than-flattering report can hurt your chances of qualifying for credit card, loans, renting an apartment or finding a job. But a bad credit report can almost always be improved or corrected. Credit Repair shows you how to fix your credit situation quickly and easily, explaining the necessary steps in plain English. 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 and negotiate with creditors. Credit Repair includes dozens of forms and letters on CD-ROM that will help you repair your credit as easily as possible! The 8th edition is completely updated with the latest information and laws, and now covers the new credit-scoring system designed to make reports more accurate.