Credit Scores & Credit Reports provides the first thorough examination of the all-important, but little understood, Credit Scoring and Credit Reporting systems. The Second Edition of this highly-acclaimed book enables consumers to understand how both of these systems actually work, and what they can do to improve their FICO scores, and to ensure their credit reports are accurate.

Most importantly, the book also describes how the system sometimes doesn't work, and how hundreds of thousands - if not millions - of consumers have been frustrated in their efforts to correct errors in their credit reports.

The book explains:

• The link between credit reports and the burgeoning problem of identity theft.
• How credit card companies use credit scoring to raise your interest rates.
• The role of credit scores in auto and homeowners insurance.
• The difference between mortgage rates for consumers with excellent, good, fair and poor credit scores.
• The damages caused by credit report inaccuracy and identity theft.
• The relationship between credit reports and debt collection.
• The debate over credit scoring and discrimination.
• The politics of credit reporting

The current credit reporting system contains detailed financial histories on more than 200 million Americans. That is why virtually everyone has a stake in the system, and why Stephen Brobeck, executive director of the Consumer Federation of America said, "There are few books I think all consumers should read. This is one of them. It is a well-informed, informative, and a well-written guide to a subject of great and growing importance to consumers."

To receive a copy of Credit Scores & Credit Reports, please enter your name and email address below.
After you submit your information, we will send you Credit Score Basics, the first two chapters of Evan Hendrick's book.