Refuting common credit myths, a practical manual helps readers understand their credit history and its significance, as well as how to use credit, pay bills, pay off debt, deal with financial crises, and avoid scams in order to make one's consumer credit score work to their benefit. Original.

About the Authors

Lita Epstein, MBA, is a seasoned financial writer who develops online courses about investing for retirement and finance and investing for women. A former congressional press secretary, she has extensive knowledge of the process within the agencies in Washington. She is the author of Alpha Teach Yourself Retirement Planning in 24 Hours and The Complete Idiot�s Guide to the Supreme Court.

Lita Epstein, M.B.A., a former Congressional press secretary and newspaper reporter, is a seasoned financial writer who?s written over 15 books, including The Complete Idiot?s Guide� to Social Security and Medicare, The Complete Idiot?s Guide� to Accounting, and The Complete Idiot?s Guide� to Foreign Currency Trading. She also designs and teaches online courses on such topics as investing for retirement, getting ready for tax time, and finance and investing for women. Lita was the content director for a financial services website, MostChoice.com, and managed the website Investing for Women.

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