Throughout the book you will learn more about credit than the average consumer who would normally not consider what, how or why their credit is the way it is. We will go from, learning about Credit scoring, FICO Scores, to credit cards and how to manage them to mortgage credit, credit fraud and how to avoid it. In the middle of the book you were taken on a short trip on how to understand consumer credit and how it affects you.

Another important aspect of the book is the information provided on how to handle your debts, deal with collection agencies and creditors. Trying to resolve a collection can be a difficult task, so we tried to make it a little easier for you. Bankruptcy information and the new bankruptcy law “2005” were added for your benefit. What are the new laws for filing bankruptcy now? This is something you will want to know before you decide to file a bankruptcy.

You will learn how to re-establish credit and how to repair damaged credit. We added sample letters for your convince to help you dispute, change, or add information to your credit report along with providing the website addresses for the credit bureaus in order to dispute your claim online. With our step by step process on how to correct erroneous, misleading and in accurate information from your credit file, you are now able to see a brighter future for yourself and your family. The idea of this step by step process though, is to make a diligent effort to get information corrected on your file.

First time home buyers and home buyers learn how to qualify for a home loan, “how and what not to do during the loan process.” This education will make your home financing a lot simpler. The real estate process and loan process was illustrated for you so that you would be familiar with buying, refinancing a home or getting a home equity line of credit. You also learned the process of getting a mortgage loan and how to shop for a real estate agent, mortgage agent as well as a home. A chart was created for you to see the difference of buying or renting a home. We added new information on credit and identity theft scams as well as foreclosure and notice of defaults.