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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?
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