A bad credit report can hurt your chances of qualifying for loans and credit cards, and it can even get in the way when you want to rent an apartment or land a job. This book is the essential guide to helping people address their credit problems, fix errors, and learn how to save and budget. The book also explains in plain English how to pay down debt, avoid serious problems (such as the mortgagee selling your home out from under you) and get your finances back on track.