Perhaps you've had problems with credit. Or perhaps you haven't, but your credit report says you did anyway – nearly 70 percent of credit reports contain errors. Either way, a lessthanflattering report can hurt your chances of qualifying for a credit card, mortgage or any other kind of loan – it can even get in the way of renting an apartment or finding a job.But a bad credit report can almost always be improved or corrected. In plain English, Credit Repair shows you how to fix your credit situation quickly, easily and legally. Learn how to: avoid overspending establish a realistic budget get out of debt now build a financial cushion read and understand your credit report get mistakes on your credit report fixed protect your social security number avoid credit discrimination get positive information added to your credit report negotiate with creditors This edition provides new information about your liability when your credit card is used without your permission, and how to close a credit card account properly. It also includes sample credit reports and lists of agencies and organizations to turn to for additional help.