Credit reports have a huge financial impact on our lives. Chances are you may not have heard about it because many people end up accepting their credit reports to be entirely accurate. Unfortunately, that is not always the case. Reports are generated with the help of data collected from different companies. Keeping human error in mind and the chances of a machine showing wrong data, there is a possibility that the information fed in your credit report may not be 100 percent accurate. If you have any errors in your report, you may end up with a bad credit report, which can keep you from getting a loan or cause you to pay a higher premium or more interest. For many people good credit is a matter of esteem. A bad credit report can lower their prestige, and many of them choose not to disclose it or to try to figure how to solve it themselves. But with less understanding of how credit reports work, they give up after some time. The aim of this book is to put these concerns to rest by helping you understand what credit repair is, the importance of credit repair for you and your family, how to accomplish the task of repairing your credit successfully, and whether or not you should seek the help of an agency.