Another winner from Nolo. This is the best thing I've seen for fixing your credit (and lets just say, being somewhat impulsive in my youth, I've had to look at a few). It comes complete with information, worksheets with form letters you need to deal with credit agencies, petition a credit bureau, handle your current creditors and even plan your budget. This will not only save you time, but it will also help you to make a much better case for yourself, especially if you use one of the kit's professional-sounding letters. You get the step-by-step on how to clean upo your credit, plus uncomplicated information on how to design both a debt repayment and a spending plan.