Bad credit can damage your chances of qualifying for credit cards or a mortgage and it can even get in the way of renting a home. In this helpful, clear-cut book, personal finance and credit expert Attorney Robin Leonard shows you how to: * avoid overspending
* establish a realistic budget
* get out of debt
* build a financial cushion
* read and understand your credit report, and get errors fixed
* take action against a credit bureau that does not remove incorrect data
* get positive information added to your credit history
* negotiate with creditors
* get and maintain good credit
Features:
* sample credit reports from the three major credit bureaus
* a Resource Appendix showing where to go for additional help
* text of the Federal Fair Credit Reporting Act
* text of state credit reporting laws that provide additional protections
