Description: As the rate of bankruptcies rises and the mountain of consumer debt grows, millions of people are encountering financial difficulties. Nationally recognized credit expert Deborah McNaughton illustrates, in this practical and comprehensive book, how readers can get their finances back on track and reach their credit goals with some planning and research. She describes, in easy-to-understand language, how the credit system really works. Readers learn to apply, qualify and establish credit; deal with credit problems; and restore their credit reports when there are problems. They find out how to:
-- understand the difference between preferred and guaranteed credit cards
-- know their rights with regard to collection agencies
-- reestablish credit after bankruptcy
-- raise cash and get out of debt

The Insider's Guide to Managing Your Credit includes a glossary, an appendix of free publications, and a directory of Federal Trade Commission offices, making it a one-stop resource to help when people are in financial trouble and prevent credit problems in the first place.

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