Bad credit can get betterBad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. The sensible strategies in Credit Repair help you take control of your finances, clean up your credit reports and rebuild your credit. Learn how to: prioritize debts and create a budgetreduce debts and cut expensesnegotiate with creditorscorrect credit report errors and remove old informationadd positive information to your credit reportsadopt strategies to rebuild your credit, andavoid identity theft and credit repair scams.The 16th edition covers when a lender must explain credit decisions and the latest strategies for dealing with student loan debt. It also includes recent debt collection developments, such as limitations on how often a collector can call and restrictions on a collector's use of texts, emails, and social media.