You should know that the credit bureau, the consumer organization, Federal trade commission (FTC), and sometimes the attorneys and credit repair services are working at cross-purposes, to shape your opinion.
Whether you are getting your first credit card or trying to find a home when the credit you already have isn't the best it can be, this free MP3 audio recording answers some of the most common questions asked about credit repair that might help you through the maze of credit rating and erasing bad debt.