Even with the apparent abundance that we enjoy in the United States, many people find themselves with financial problems beyond what they ever imagined they would have. Credit is wrecked, houses are lost, families are destroyed... all in a country that brands itself as the world's prosperity hub. Phrases like “the land of opportunity” and “the American dream” are common here. The truth is, things like bankruptcy, poverty, excessive debt, and “barely making it” while living paycheck to paycheck are becoming far more common in this land of prosperity. What are we missing?
The problem, as it turns out, usually isn't that we have a lack of anything material. We are rich with “buying power” but poor in the knowledge and financial intelligence that tell us how to use it. This might be why over half a million people (597,965) filed for Bankruptcy in 2006 (source: http://www.uscourts.gov/bnkrpctystats/statistics.htm) .
The issues are compounded by the fact that most people don't realize that they are “knowledge-poor” in the area of finances and credit until it's too late. By the time most of us are aware that we lack financial intelligence, the damage has already been done. This is why understanding credit and credit-repair is so important. For many people, credit repair should be the first step that they take towards a better financial future. “Credit repair” is simply the name given to the process of improving your credit score, and removing incorrect items from your credit report.
Want to know how you can give yourself a raise without talking to your boss or even increasing your actual paycheck amount? The answer, as you probably guessed, is to fix your credit. A higher credit score can save you thousands of dollars. As this book points out in Chapter 2, fixing your credit is probably the highest paid work you'll ever do. Give yourself a raise. Improve your credit and become financially smart.
What we've given you in this book should be considered a “primer” for your financial education. There is a lot more to it than what is covered here. That said, this little book could be a big boost to your financial intelligence.
Consumer Publishing Group (the company that produced this guide) has created one of the most comprehensive credit repair manuals available, called The Credit Secrets Bible TM. The Credit Secrets Bible has been in print since 1994 and is absolutely essential if you are serious about fixing or improving your credit. To learn more about the Credit Secrets Bible, visit the Credit Secrets Bible website.