Those of us who don’t have good credit are usually well aware just what a high price we pay for this lack.    And if you have made poor decisions, encountered bad luck or been hit with high and unexpected medical or other expenses, it is very easy to be tempted by anyone who can offer to “repair” your credit.    Unfortunately,  the sad fact is that the only way to have and keep good credit is to pay all of your bills consistently on time.    And anyone who offers to make the record of your late payments or bad debts disapper is almost certainly scamming you.

With that caveat,  The Complete Credit Repair Kit by attorney Brette McWhorter Sember provides a useful overview of the credit reporting system and contains a variety of sample letters (copies of which are included on the attached CD ROM) to address a variety of situations in which there are errors in your credit report.     This book would be especially useful to a young person just starting out who needs to understand how credit works, what the rules are and what to do if the credit bureaus or other businesses make a mistake in reporting your payment history.    As long as you know and understand that the only way to get good credit is to pay all of your bills on time,  The Complete Credit Repair Kit is Recommended.   Buy now $19.95.

If you are here for Canucklehead’s Scavanger Hunt be on your way.