Introduction: a note from John -- Credit reports -- Credit reporting agencies : it's not only the big three -- Credit reports : what's in yours? -- Negative items & credit reporting errors -- Credit reports : they're not just for lenders -- Myth busting, credit report-style -- Credit scores -- Credit scores : three is the magic number -- FICO score distribution : a "flattening of the curve" -- Credit score confusion : what are you buying? -- Credit score myths, setting the record straight -- Improving your FICO scores by understanding the scoring model -- Delinquencies & the seven deadly fico sins -- A perfect score -- Access to free credit scores -- Credit cards -- Credit card offers : behind the scenes -- Credit card behaviors & your credit scores -- Credit cards, charge cards & rewards cards -- Damage control, credit repair & debt settlement services -- Credit repair & debt settlement -- Mortgage loan modification, short sales, and time-barred debts -- Student loan debt -- Insurance, massive data breaches & identity theft -- Insurance & credit reports -- Data breaches & identity theft -- Credit laws & proposed legislation -- FACTA's free annual credit reports -- Shoe box credit under the Equal Credit Opportunity Act -- The Card Act : the good, bad, and ugly -- Fair debt collection practices -- Fair access to credit scores act -- Medical debt responsibility act of 2011 -- Planning ahead and the future of credit -- Your next application & the future of consumer credit -- Index.
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