Clean up your credit, create a budget, and avoid overspending with this bestseller. You’ll get sample letters to negotiate with creditors, forms to fix errors on your credit report, and more.  Learn how to:

• get rid of errors in your credit report
• negotiate with creditors
• create a budget and make a plan to get out of debt

Includes all the forms you need to send to creditors and credit reporting agencies!

“A solid, thorough, user-friendly resource accessible to anyone and everyone concerned about their credit rating.” – Midwest Book Review