Are you looking for a FRESH START? More than five million consumers have filed bankruptcy in the last five years, and millions more have considered it because of their low credit score or what is on their credit report. Millions more have been refused credit because of inaccurate, incomplete, or out-of-date information in their credit files. Let The Complete Credit Repair Kit help you clean up your credit report, improve your credit score, lessen your debt, and cope with your financial difficulties. The Complete Credit Repair Kit will teach you how to quickly and easily get your finances back on track. This new, easy-to-understand edition includes information on budgeting your money, obtaining your credit report, fixing your credit, and preventing identity theft. It explains everything you need to know to legally repair your credit, without confusing legalese. This book includes a complete glossary as well as over 40 forms and letters you can use to repair your credit score. A CD-ROM is also included that contains all the blank forms and letters so readers can more easily utilize them. LEARN HOW TO: Understand what your credit score means Read your credit report Negotiate with your creditors for lower payments Get changes made to your credit report Includes READY-TO-GO FORMS with Step-by-Step Instructions ESSENTIAL INFORMATION YOU NEED TO: Improve your credit score Lessen your debt Consolidate student loans Prevent identity theft "From beginning to end, this book is packed with logical remedies for common, and some not-so-common, dilemmas." Suite101.com "One of the easiest reading books on this subject." About.com