Credit Scores and Credit Reports: How The System Really Works, What You Can Do (Second Edition)

A consumer instruction manual for the credit reporting and credit scoring systems. Although these credit systems directly affect the financial standing of millions of Americans, few people understand them. This book is designed to help readers gain a greater understanding of the credit reporting and scoring system and how it impacts them.

Since 1981, Evan Hendricks has served as Editor/Publisher of the Privacy Times, a biweekly newsletter that reports on privacy and freedom of information law. A graduate of Columbia University, Hendricks regularly lectures on information policy issues in the United States, Canada and Europe. He has been interviewed on various FOIA and privacy issues by the Oprah Winfrey Show, Geraldo, ABC Nightline and World News Tonight, NBC Nightly News, CBS Evening News, CNN News Watch, The Washington Post, New York Times, and the Wall Street Journal He has served as an expert witness in several cases involving the Fair Credit Reporting Act. In 1991, Hendricks became Chairman of the U.S. Privacy Council, a new organization and the first dedicated to the protection of privacy and improving our nation's law and policy.