When bad credit happens to good people. Once someone’s personal financial credit goes bad, it can be a difficult process to bring it back into good standing. This guide shows consumers how to repair their credit, increase their credit score, and avoid falling victim to the instant credit repair industry and its fraudulent claims and scams. " Research by the Federal Reserve indicates that household debt and personal bankruptcy filings are at record high levels " Only book on the shelves to include coverage of the The Fair and Accurate Credit Transaction Act, which goes into effect 12/1/2004 " Author has been featured in Money, Family Circle, and Women’s Day, and has appeared on CNBC and CNN