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The 10 commandments to help consumers rescue their credit rating while avoiding the common pitfalls that cost them thousands of dollars in fees and higher interest rates are elucidated in this guide to the inner workings of the credit system. The commandments include warnings such as "Thou shalt not trust the babble of credit counselors," "Thou shalt not feel guilt when dealing with bill collectors," and "Fend for thyself, directing thy wrath against thy creditors, not the credit bureau." Helping debtors become savvy self-advocates and beat the credit system at its own game, this simple and straightforward advice from a debtor-advocacy attorney will help consumers protect their credit ratings and their future.

The Truth About Credit is current, cohesive and thorough. It begins with the basics-defining credit, explaining its value to consumers and businesses, and introducing the key parties that keep the process successfully operating-but then covers more complex topics, including credit laws, credit scoring and credit repair. The central portion of the book tackles three topics that are constantly in the news of late-identity theft/fraud, credit repair, and credit scoring-then shifts to an explanation of credit laws, consumer credit counseling and, most importantly, correcting errors on credit reports. There are a plethora of books out there promising to show consumers how to repair their credit. There is only one that explains credit from the first step of establishing it, through the many steps involved with maintaining it and managing it, to, yes, fixing it when it's broken- The Truth About Credit.

Credit card debt - Credit card debt is an example of unsecured consumer debt. It results when a customer of a credit card company does not pay the company for the money he or she has spent.

Consumer debt - Consumer debt is consumer credit which is outstanding. In macroeconomic terms, it is debt which is used to fund consumption rather than investment.

Fair Debt Collection Practices Act - The Fair Debt Collection Practices Act or FDCPA(1979) is a set of United States statutes added as Title VIII of the Consumer Credit Protection Act. Its purpose is to ensure ethical practices in the collection of consumer debts and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy.

Consumer Credit Act 1974 - The Consumer Credit Act 1974 is a consumer protection law in the UK. It protects individuals receiving credit up to Â£25,000.

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