The following questions and more are answered in this special report...

HOW CAN I FIND OUT INFORMATION ABOUT MY CREDIT HISTORY?

HOW CAN I IMPROVE MY SCORE?

WHAT IS A CREDIT BUREAU SCORE AND HOW DO LENDERS USE THEM?

HOW DOES A LENDER DECIDE TO LEND ME MONEY?

IF I'M TURNED DOWN, WILL THEY TELL ME WHY?

CAN I PURCHASE A HOME WITHOUT AN A CREDIT RATING?

CAN INFORMATION BE CHANGED OR REMOVED FROM MY CREDIT REPORT?

BUT IF I TELL THE CREDIT BUREAUS THAT I'M TRYING TO IMPROVE MY CREDIT HISTORY, WON'T THEY TRY TO HELP ME?

HOW ABOUT WRITING A LETTER EXPLAINING MY CREDIT PROBLEMS FOR THE CREDIT BUREAUS TO INCLUDE WITH MY CREDIT REPORT TO THOSE WHO REQUEST IT?

I TEND TO ALWAYS ACCEPT LOW INTEREST-RATE CREDIT CARD OFFERS THAT I GET IN THE MAIL, SWITCHING BALANCES ABOUT 4 TIMES A YEAR. CAN THIS HARM MY RATING?