Avoid bankruptcy, foreclosure, and identity theft. All the tools you need to build, rebuild, and maintain great credit. Need to clean up your credit? This up-to-date resource is packed with action plans for repairing a bad report, paying down debt, and repairing a bad credit report. You'll discover how to dispute inaccurate information, communicate with collectors and creditors, set financial goals, and build a good credit history. You'll also see how to avoid scams - and take action if you're victimized. Discover how to: * Obtain and maintain your credit report * Build new, strong credit * Handle annoying collection calls * Locate credit counseling * Manage your finances wisely