Audience:* People who have bad credit and want to improve it.* People who plan to buy a home or car or take out another substantial loan in the near future.* People entering the world of credit for the first time (students, people starting their first job) who want to build a positive credit history, establish good credit habits, and avoid problems with credit card debt, identify theft, and the like.* Bad credit costs you money. If you have a low credit score, you'll end up paying substantially more in interest and fees to get a mortgage, car loan, credit card, or other loan. If your credit is really bad, you'll have to turn to subprime lenders, which are almost always a rip-off. And bad credit could even affect your ability to get a job. * 1 out of 5 credit reports have errors.

One out of five credit reports contain errors. More serious errors could result in a denial of credit or higher credit costs.* Long-term solutions to credit problems. Unlike most credit repair products (which just tell you how to fix errors), this book helps reader to permanently improve credit by providing information on getting out of debt, avoiding problems with credit cards, steering clear of identity theft, and building good credit going forward. * The Consumer Financial Protection Bureau is becoming more involved in credit reporting issues. The CFPB is ramping up its involvement in credit reporting and credit scam issues. Credit Repair tells readers what's going on and how to get help.* 35% adults with bad credit.