Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit reports and rebuild your credit. Learn how to:

• prioritize debts and create a budget


• reduce debts and cut expenses


• negotiate with creditors


• correct credit report errors and remove old information


• add positive information to your credit reports


• adopt strategies to rebuild your credit, and


• avoid identity theft and credit repair scams.

The 16th edition covers when a lender must explain credit decisions and the latest strategies for dealing with student loan debt. It also includes recent debt collection developments, such as limitations on how often a collector can call and restrictions on a collector's use of texts, emails, and social media.