Credit problems? Get the acclaimed plain-English guide to fixing your credit report! Nearly 80 percent of credit reports contain errors. In a tough economy when credit is tight, you need to be certain that your financial records are correct and up-to-date. A less-than-flattering report can hurt your chances of qualifying for credit card, loans, renting an apartment or even 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 negotiate with creditors Credit Repair includes dozens of forms and letters on CD-ROM that will help you spruce up your credit report as easily as possible! The 9th edition has been completely updated to reflect the latest changes in the law, including the new rules for the HOPE for Homeowners Act, and additional information and forms that will help you regain your good name should your identity ever be stolen.