A bad credit record can make it tough to get a loan or adequate insurance, land a good job, or rent an apartment. According to a 2003 Consumer's Union study, nearly half of all credit records contain serious errors. The Credit Repair Kit, Fourth Edition, provides new and updated information about ordering a copy of your credit record from each of the three national credit bureaus, understanding what they say about you, and how to resolve credit record problems. In addition, credit expert John Ventura explains your legal rights under the federal Fair Credit Reporting Act. The Credit Repair Kit is loaded with practical tips, sample credit reports, checklists, and information about helpful Web sites and organizations -- it's a virtual first-aid kit for credit record problems.